Re: [Open] 6.4 BTC loan, collateral/escrow, monthly interest, ~5 months.
Well I would normally provide that level of privacy to you, however ethically, I feel the need to disclose that kind of information because I feel that you are being somewhat misleading in your negotiations. I don't think failing to disclose the fact that the value you are giving your collateral is at least 10% more then the value currently given to it on exchanges is being transparent nor is a way to conduct business.
As I have explained (and I think I disclosed fully to all interested parties what the collateral is and what the monthly avg is), we must use the monthly avg in a volatile crypto currency market to decide the appropriate value for the deal. I have certainly not with held any details to those who request them because they are interested, and the volatility means it really doesn't make sense to go down for you to gain more collateral for the loan, while the other way is 'unethical'. Hence, the compromise at the stated terms of taking a monthly avg for the value of the collateral and loan amount being discussed.
No one who is interested and PM's me is not told about what value I use to calculate the collateral with, and the reason for such, which I find to be fair. As I mentioned, in the past negotiations have made parties agree to terms that are acceptable to both, and in many cases it brought the collateral to a more agreeable amount as we assessed each other's position and found a compromise. This is a negotiation phase, and that's how deals are made - middle ground that both parties can agree on from their respective starting points. My starting point is the monthly avg for the collateral - and we, as I repeatedly mentioned, negotiate to find a compromise that is within acceptable bounds for each of us.
As I said, 'All terms are up for negotiations' - as in the OP. Once again, I understand your concern, but I do not believe I have with held any information, some even irrelevant, to our negotiations. I would ask you to retract such a claim because it simple does not match the facts - and I believe you are giving an unqualified statement as to what you deem 'unethical' vs. 'simple disadvantageous'. I have not with held any kind of information from you or any other interested parties when they contacted me (certainly no one will have any trouble figuring out the price avg for the collateral anyway with loan amount offered vs. recent market movements).
Once again, I would ask that you correct your statement since I have disclosed everything in the negotiations. If you want to further negotiate the appropriate loan vs collateral, feel free to message me and we can work out a deal we both find acceptable
