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
Collateral: None
Repayment date: 24 APR 2019
Repayment Amount: 0.105 BTC
Funding Address: bc1q2nwf4njwkpeuyycx5a95nj6mf8m45djdk863xs
-----BEGIN SIGNATURE-----
157v67atJjnx7Fdi2wmcBBpChugHNmDWup
H8Iuti21qXdcWCik66wSw1lg8jSlhqzyfHUJjC5d2haNQB73pzvlUiT6OphloxJlJguuRbfMonJdWAfRXSToqZ0=
-----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.
I could have waited a week or 2 before applying, found some Merit sellers to meet your requirements, asked for a loan and got it.
Also as I said even excellent posts don't necessarly get Merit, the way I see it happening it's more people who know each other who give Merit, very rarely did I see a post that desrves it get one.
I seriously doubt my little lending business is going to have any affect on the Merit Market.
Yes, but if others copy you, it will have a snowball effect, remember how many sold accounts were used for scams in loans and other activities.