Quote from: Amph on December 07, 2015, 07:59:09 AM

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Quote from: Amph on December 02, 2015, 07:21:47 AM

the best collateral would be an account, it's easy to transfer the ownership and can be sold quite easily as well, but for 5 btc you need something like legendary with trust or hero with many trust

The best collateral would be an altcoin. I have seen plenty of loan requests using domains as a collateral and most of them are not accepted because the user is offering a shitty domain, if you can prove your site is worth 5btc or more then I'm sure someone will. Why do you need the 5 bitcoins in the first place?

not my site, but my account, i've made 20 btc with this account, so yes it's worth much more than a mere 1 btc

and no, altcoin ar enot a valid collateral they depreciate very easily, and a very unstable, i would not take any altcoin as a collateral not even litecoin

instead an hero account is still worth at least 0.5 even today

Your personal opinion doesn't matter man, stable altcoins are considered as the best form of collateral, you would need to use 110-120% of the value of the loan but anyone would accept altcoins before btc accounts or other type of digital goods, inform yourself better please.

there ar eno stable altcoin, they are all more unstable than bitcoin itself, which is already a risk if you want collateral for a long time

instead an account always retain it's value no matter how time will pass, an hero account could have been sold for 0.5 1 year ago and can be sold still for 0.5 today

Nope. Accounts were sold mostly for 0.15BTC for full member last year and is worth less than 0.08BTC now. It changes mostly with Bitcoin price and the amount of signature campaign that is currently there.

it depend what account was sold for 0.15 at first if it has good quality post and trust and stuff like that, also if it was banned etc...

there are many factor that need to be taken into account, also if you think about it they have the same value in fiat because bitcoin increased in price, so...

Yes, quality is important. However, if you look around, there is almost no one that is willing to give a fiat tied loan in Bitcoin due to this exact reason. When people loan Bitcoin, they expect the same or more Bitcoin back. That's the same for collateral, that's why people request for something that is of much higher value than the loan amount itself. And with more accounts in circulation, the price is bound to decrease soon enough.

yeah but what i mean is that the value of the account is lower, because the value of bitcoin increased, which is the same that happened for every signature campaign

i think both of yours point are correct on your part because due to increase in accounts and sales and rise in bitcoin price and lower post rate in signature campaign due to rise in bitcoin price are also the reason for the lower value of the account selling. but then also if anyone dont have higher account and if they got bitcoin with them, then they can think of investing in this high rank account purchasing and doing signature campaign and earn back the purchase amount from the account which is purchase.