Perhaps DireWolfM14 should be more specific but I think he expects a signed message.
That's correct. I prefer to have the application signed with an address that was staked some time in the past, even for secured loans. I've included an example in my OP, and here. I hope this eliminates any ambiguity.
Application has been signed with an address that was
staked here.
-----BEGIN BITCOIN SIGNED MESSAGE-----
Username: DireWolfM14
Loan Amount: 0.1 BTC
Purpose: Trading
Collateral: None
Repayment date: 23 APR 2019
Repayment Amount: 0.1035 BTC
Funding Address: bc1q2nwf4njwkpeuyycx5a95nj6mf8m45djdk863xs
-----BEGIN SIGNATURE-----
157v67atJjnx7Fdi2wmcBBpChugHNmDWup
IEYQbo8AJynG6hoQqD14aefWHMGVP1ukUM0xX+wFyOlyYXgVd1jQY5hGK8ltt1qG+lfCymKcW3ms6PKpL8OMTxE=
-----END BITCOIN SIGNED MESSAGE-----
@Batmanvsduecare, thank you for your request, but I'm sorry, you do not qualify for a no-collateral loan from me.
I never said I earned those 100 Merits,I was also pointing that asking for a certain number of Merits in a certain time fram may lead to the creation of a Merit points market which will lead to more scams and do more harm than good.
I seriously doubt my little lending business is going to have any affect on the Merit Market.
And just to be clear; rank and merit requirements only apply to unsecured (no collateral) loans. There is no rank or merit requirement for loans secured by collateral.