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Savings Account Rates at Local Banks or Why I love P2P Loans

I am often asked why I like to utilize peer to peer lending and other related questions like “Is it risky?” The biggest reason why I am so excited about

How to Profit in a 20% Default Environment

The BTC lending environment is growing, yet volatile. While there is cause for concern, the USD lending platforms had higher defaults their first couple years too. Now 5-7 years down

What Types of Loans Can I Invest In on

The loan site lists 11 different types of loans that are available. Those loans are: Debt Consolidation Home Improvement Short Term & Bridge Loans Auto & Vehicle Loans Small

BTCJam: Providing More Info but Still Falling Short

There’s quite a bit of debate in the Bitcoin Investing world about BTCJam. They are without question the largest BTC based peer lending platform and they have the most VC

Legal Corner: The Legal Basis of How Prosper and P2P Lending Works

by Jonathan Wilson, securities attorney at Taylor English Duma [Again, my comments will be in the braces otherwise this is all from our legal expert. None of this is personal

Calculating Returns: IRR or XIRR vs ROI

There’s been much debate in the blogging world for p2p lending about how to calculate returns on our loan portfolios.  Some very prominent people in our industry, including Peter Renton

How does rate its loans?

So let’s jump right in. How Does rate its loans? is one of the leading peer to peer lending sites on the web today. Prosper was the first

The Fitch P2P Lending Report: 5 Things They Got Right and 3 Things They Got Wrong

The Fitch ratings agency, who along with Standard & Poor’s are the 2 largest US based ratings agencies just released their first report on Peer to Peer Lending. While the

The Six Things I Learned My First Month Lending in Bitcoin

My first month investing in peer loans based in Bitcoin (BTC) has come to a close and I have learned some VERY important lessons.   Lesson 1: LC is Blind

Platform Risk: What Happened to Trustbuddy?

Platform risk is something mentioned here often yet rarely discussed in detail. Now we have an example of why thinking about the platform risk (the risk that the platform itself

Why I Read Bitcoin Platform Blogs And You Should Too

  As a blogger, I am always looking for other good blogs to read and teach me something new.  Nearly every online lending platform has its own blog, and honestly, most of them aren't very good. They are trying to build their businesses so a blog is an afterthought sometimes. They all seem to use their blog mostly as a PR tool, like 'Hey check out new feature XX we are doing' style of posting. As blogs go, most lending platform blogs are lacking, however the tidbits of information Click Here To Continue

Stu’s Portfolio Report: October 2015

October saw some good activity in my lending accounts. Of my 7 places where I lend either BTC or USD (counting Lending Club twice for my 2 portfolios there), 6 of them made money although a couple only barely so and only one did I receive no payments although only 2 were due. Let's take a look: 10/31/2015 Interest Rec'd Net Interest Principal Rec'd Principal Remaining ROI Bitcoin Loans 56.23 56.23 849.8096 759.2 1.56% Prosper Loans 29.51 27.5 155.28 2270.54 1.21% Lending Click Here To Continue

Some Big Stories in FinTech This Week

There's big news this week in the FinTech/p2p lending world so I am going to go over a couple of the bigger stories and see how they could impact us lenders. Changes in Crowdfunding Rules Crowdfunding rules are governed by the SEC. They finally came out with their rules on Title III that allows for non-accredited investors, like me and many of you, to invest in the equity of new companies. This is a potentially huge transformational type of ruling as companies are waiting longer and longer Click Here To Continue

Platform Risk: What Happened to Trustbuddy?

Platform risk is something mentioned here often yet rarely discussed in detail. Now we have an example of why thinking about the platform risk (the risk that the platform itself will go out of business) is something we need to think about and consider when it comes to investing on new platforms. Thanks for the reminder, Trustbuddy, although you could have returned our fellow lenders' funds first..... So what really happened to Trustbuddy? Trustbuddy is (was?) a peer to peer lending platform Click Here To Continue

Stu’s Portfolio Report: September 2015

Another month has come and gone and its time to report on my returns. More good stuff continues to happen for my portfolio with steady returns from my USD loans and some 'yield enhancement' by my private loans and my BTC loans. Let's check out the numbers. 9/30/2015 Interest Rec'd Net Interest Principal Rec'd Principal Remaining ROI Bitcoin Loans 27.1 27.1 226.09 352.8 0.99% Private Loan 45 45 274.71 0 2.62% Prosper Loans 29.28 27.37 227.85 2270.54 1.21% Lending Click Here To Continue

My Favorite Blogs

  A question I am often asked is "what blogs and websites do you read in the P2PLending/FinTech/Bitcoin space?" I thought I'd answer that for you guys and show you who some of my favorites are. USD Peer to Peer Lending My blog started with only USD peer lending coverage since these are the areas where I can actively invest and track my returns. Lend Academy- the gold standard for p2p lending blogs. Operating before most of us knew what FinTech stood for. Peter Renton, Jason Jones, Click Here To Continue

The Bitcoin Lenders’ Bill of Rights

  The 3 largest Bitcoin based lending sites: BTCJam, BitLendingClub aka Loanbase, and Bitbonds, combined originate around $1.5 million worth of Bitcoin based loans per month. While this number is small, the industry is fast growing and is an important part of developing the Bitcoin ecosystem as a whole as lending/investing alternatives for Bitcoin operating companies and access to capital for those companies are vital to their and the ecosystem’s success. There are 4 primary constituent Click Here To Continue

Stu’s Portfolio Report: August 2015

I blinked for a second and all of a sudden, the entire summer has gone by, from all the conferences and Peer Lending/FinTech/Bitcoin activity, of which there has been much, and all the reporting in these areas going on that I've been fortunate to be a part of, yet I am missing some portfolio reporting. No longer. Especially given some of the 'new normal' from the Bitcoin lending sites, its more important than ever to have great filtering in place and to measure what is working and what isn't Click Here To Continue

The MSB: Why I Don’t Lend to US LBC traders and you shouldn’t either

  MSB is the shorthand for a money service business. In the US, MSBs are overseen by FINCEN (the Financial Crimes Enforcement Network), which is a part of the US Dept of Treasury. FINCEN's primary goal is to take the lead in anti money laundering (AML) efforts and enforcement. MSBs have a 2nd level of compliance required as well and that's at the state level. Every state where an MSB does business, they have to register, pay state licensing and compliance fees, keep that compliance Click Here To Continue

4 Steps to Maximize Your p2p Bitcoin Lending Returns

This is a guest post by Chris Grundy of Bitbond. Chris is an SEO Specialist, bitcoin obsessive and avid tech fan who has written for a variety of publications as well as regularly contributing to the Bitbond blog. You can follow him on Twitter or connect with him on LinkedIn. Any feedback is welcome and encouraged. Bitcoin p2p lending platforms have three key advantages over their fiat counterparts: the ability to diversify globally, the subsequent access to higher interest rates as well as higher Click Here To Continue