And why doesn't btcjam have a forum like this where members can discuss this stuff?
Why no direct link to social media connections?
Why don't you update ebay feedback and create a direct link to ebay?
And why don't you create loans with collateral as an option?
1. We're not that interested in having a forum at this time. Primarily working to develop other features at the moment.
2. Privacy laws.
3. Regarding the update, we do get these things on the backend but we lock numbers for many reasons. Direct link falls under privacy laws as well.
4. Collateral is a lot tougher than you may assume, it's a really tough model. One thing immediately that comes to mind is that some loans might have hundreds of investors. Working that many investors around a piece of collateral is tricky. Also - this model has proven to have success (lendingclub + prosper).. I think we can find ways to strengthen the business and returns without having to move to collateral based loans.