I don't know about the current fees there, but yes, but what if bitcoin value goes down hugely? Then you are screwed if you are on bitfinex,
you can lend out your bitcoin, you don't have to lend your fiat.
what if bitfinex runs away with everything... what are you going to do, visiting their fake offices in HK to ask your btc back
?
The same is said with any escrow that is used but bitfinex has a longer history then most escrow providers and they also have more experience holding much more money then any escrow provider.
If I'm right fees can change there and swaps cancelled all the time giving you a much lower intrest than you expect now. With me you don't have those risk so i think my intrest rates are fair
The interest rate market is stable enough for this to not be an issue. You are offering ~5% of what would be earned via bitfinex and I think it would be very unlikely that interest rates would crash that low.
+ if amounts or not that small you don't have to use fees to send bitcoin and for smaller amounts like 5mbtc (min. to loan me) a fee of 0.01 mbtc is also enough to confirm which is earned back in a few days with USD loan and some websites offer free withdrawals
If you pay a standard fee of .0001 and lend you .5 then it would take a week to make the fee back in interest. This is the lowest amount that someone can break even after paying the TX fee in a week with your interest rates. If a fee is not included then it could take a long time to confirm and seeing how you are with offering fair terms I would say there would be a good chance you would claim it is taking too long to confirm and would send the funds back....with a fee (that would then now be required for the miners to likely confirm - not enough bitcoin days destroyed to qualify for a free TX)
