@ LLec,

There have actually been only a nominal amount of chargebacks and our goal is to minimize them as much as we can.  Our Lenders are quite happy with their earnings.  

Security within our platform is tantamount, and is of utmost importance.  The the verification procedure of our new clients is an extensive process and one that we take very seriously.

The thing is when you are a lender at xCoins our 50% profit margin guarantee will ensure that despite chargebacks, if your profit margin dips below 50%, we will issue refunds to get your profit margin back up to 50%.

No where else on the web will you find such a guarantee, and that is just one of the things that makes xCoins special.