Re: [Open] 6.4 BTC loan, collateral/escrow, monthly interest, ~5 months.
Also, you can say my collateral is my reputation not only on btc talk forum trading reputation, but also my crypto reputation in general (irc, twitter, other forums etc) since people i work with know my forum handle. I would like to state this just to make clear what I am proposing.
From your PM:I do not currently keep a twitter account.
Why are you claiming your reputation is partially from your twitter account if you don't even have a twitter account?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.
Says you. Most of the time, from every other deal that I have seen on this forum the current value of the altcoin is used. Can you prove an example of when any other person has ever even offered to use a monthly average of the value of their altcoin? I have certainly not with held any details to those who request them because they are interested, and the volatility means
You said that you wanted to use the monthly average to value your collateral. You did not mention anything about what your altcoin could be traded for today if it were to be sold. 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.
The unethical part would be withholding to other potentially interested parties the fact that you are overvaluing the collateral based on current market conditions.The reason why you give more collateral then the loan is worth is so the lender does not have to sell the collateral after even a small decline in it's price. This is to protect you from having what is essentially a margin call after only a small decline in the price of your collateral.
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.
Of course it would be fair for you. You are getting the better end of the bargin. 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.
I think it is pretty standard to ask for 110% to 120% worth of collateral based on current market conditions. 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).
The relevant information that you withheld is the value of the collateral. You gave only a favorable valuation to it's valuation and did not give full disclosure. 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 
I am going to decline to participate in this deal.