I would like to echo this... I've been with bitfinex for awhile now but this is the first time I'm thinking about using their Lending functionality. I'm interested in doing short term (2 day) loans. When I enable auto lending, it typically lends at the Flash Return Rate... I guess what I'm curious about is, what are my risks here? What are the chances of default? if I insure my loan, how much of a hit do I take and will I be insured for the total amount? The Lending aspect of bitfinex is still a bit of a black box to me, any help would be appreciated...