Quote from: ETFbitcoin on Today at 10:04:59 AM

As stated on lending board, IMO "No Collateral, No Loan" is best approach here.

Quote from: CryptoHeadlineNews on November 13, 2023, 12:25:52 PM

1. Do not give a loan to an account that may have been found to have woken up after a very long time:
2. Do not give a loan to anybody whose wallet address shows he/she has not been receiving inflow of funds for the past 120 days:
3. Do not give a loan amount to anyone whose his/her full 3 months signature campaign payment can not afford to settle such loan:

2. Most Bitcoiner have habit using one Bitcoin address only for one purpose. And IMO it's poor factor to determine whether someone will repay or not.

Yes, inasmuch as most people have a wallet which they use for different purposes, for me I think when it comes to do with this forum, that same wallet been used for a signature should be the exact same wallet been used to apply for a loan, as that is the only way to prove the person applying for that loan is actually the true owner of that account, because you never can tell, a person's account can be hacked and used in applying for a loan. Which is why I added that exact reason, because a wallet been used for a signature campaign is sure of having an inflow and outflow of funds.

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3. Why 3 months specifically?

Alright, thanks for asking me this question,. I chose 3 months specifically simply because just as traditional banks who has our complete informations give loans whereby if a user intends to be paying half of his salary he should be able to complete his loan payment in 12months. When it comes to this forum, I thought as much that since everybody here is anonymous, if anybody is to be given a loan, at least it should be an amount by which if he is been asked to pay his full weekly campaign payment for 3 straight months, at least that amount should be able to afford him complete his payment, whereas, if he is asked to pay half weekly, at least with 6 months such individual should be able to settle his debt. And nothing more than that.. (i.e Assuming signature campaign is his only source of income)