I use Xcoins and make exactly what they claim, 15% on any amount I deposit. I have been using it for 3 months now. I keep my selling limits at $50 and have not had one chargeback. You can have more than one offer running at a time depending on how much you have to sell. I literally buy bitcoin and turn around deposit it and within 2 days or so I get the payments in my paypal account. Its completly legitimate. I see in the forums people having chargeback issues so I guess the scammers dont want to lose their opportunity over $50. I have even made $31 on referrals.

I previously had nothing but problems on ebay with literally 95% unauthorized users.

You have the choice to choose what level of borrower you choose to sell to 1-5 5 Being the highest so I stick to that now. I have sold most of my bitcoin at level 1, I think it moves faster but not entirely sure about that. You put yourself at more of a risk but it hasent caused me any problems.

I recommend anyone that wants to test what Im saying to do a simple $20 deposit and see for yourself. Follow my advice and it will be very unlikly you will have any issues with chargebacks etc.

To be a lender you dont need to give any verification, you just sign up with name and email, they dont verify lenders, deposit your bitcoin to a wallet address they supply you with upon joining. You add your paypal address and wait for the $, it is as simple as that.

One note - When the payment comes thru they inform you in your account wether to capture the payment if necessary, or they tell you to wait. Usually it all goes thru without you needing to do anything. From my experience, if you follow their simple guidelines you shouldnt have any issues.


Below is a copy/paste directly from my account stats. Ill provide an image if anyone would like to see one.

I hope this helps shed some light on the whole process. I have actually begun to promote the service on my website also. (hence the $31 I made on referrals)

There have been days when I didnt get one sale but it always cleans me out within a week. I ususally deposit about $200 at a time, you can deposit any amount but the lowest your account can go is $20.

Lending volume   $1,075.29   100.00%
Interest fees   $161.29   15.00%
PayPal reversals   –   
PayPal reversal fees   –   
Refunds   –   
Net profit   $161.29   15.00%
Profit margin      100.00%