~snip~
Locked tokens of any kind, are not considered
valid collateral. So unless you offer something valid, don't expect to get any kind of loan here. Simple as that.
Enough tokens will be unlocked before my repayment date so I'd argue that it could be considered valid collateral since by the time my payment comes due all tokens will be accessible to the lender. There is 2 years of onchain proof that the tokens vest at an predictable rate.
You can argue as much as you want but the fact is that is not collateral and you won't get a loan from anyone. So either lock your thread and look elsewhere or wait until your tokens are unlocked.
I am sorry, I did not know that you speak for everyone in Bitcointalk. Just because something isn't valid collateral to you doesn't make it not collateral to someone else.
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For any potential lenders out there: if my tokens were unlocked and available to me today I would not need this loan.
We're talking about an immutable smart contract that gives the lender tokens before my payment is due. There's no need to trust my word for it. Ownership will be transferred to the lender and he or she can do what he wants with it.