Pour la découvrir:
Voici mon lien avec ma référence partenaire, pour ma sauce sur mes épinards:
https://www.bitbond.com/?a=2TP0RM55P6
et le même lien sans ma référence partenaire si ça vous saoule
https://www.bitbond.com/
J'ai choisi celle-ci plutôt que les 2 autres parce que les autres semblent abriter pas mal d'arnaqueurs. Bitbond étant allemande, en zone SEPA, elle met pas mal l'accent sur un contrôle poussé des dossiers des emprunteurs surtout européens.
La plateforme a un peu d'ancienneté maintenant (juin 2013) et elle a assez bonne presse, ses admins sont reconnus dans le monde du p2p lending et en y allant prudemment, il doit y avoir moyen d'avoir de bonnes expériences.
J'aime assez l'idée que notre bon bitcoin virtuel puisse travailler autour de vrais projets et aider de vrais gens.
Pour en savoir un peu plus sur cette plateforme, j'ai retenu quelques liens en vrac :
une présentation en français par le bloggeur Patrice Bernard :
http://cestpasmonidee.blogspot.fr/2014/05/bitbond-le-credit-p2p-en-bitcoin.html
les différents fonds décrochés:
http://www.coindesk.com/p2p-bitcoin-lending-platform-bitbond-receives-e200000-seed-funding/
http://www.coindesk.com/bitcoin-lending-platform-bitbond-raises-e600000-in-funding/
issu du lien précédent :
"According to a statement issued by the platform, Bitbond has processed 600 loans to date and it currently has 10,000 users from over 120 different countries."
Sur bitcointalk:
l'annonce:
https://bitcointalksearch.org/topic/ann-bitbond-bitcoin-p2p-loans-248441
de la demande d'opinions:
https://bitcointalksearch.org/topic/peer-to-peer-bitcoin-lending-bitbondcom-opinions-901412
et du frisson:
https://bitcointalksearch.org/topic/does-any-one-else-have-an-large-volume-of-defaulted-loans-on-bitbond-733349
Et l'avertissement indispensable:
Avant d'aller plus loin, si déjà le bitcoin recommande de n'investir que ce que l'on est prêt à perdre, C'EST ENCORE PLUS VRAI POUR LE PRÊT ENTRE PARTICULIERS EN BITCOINS! voilà pour la recommandation d'usage.
Je citerais enfin une réponse d'un des fondateurs à la question:
There are two points to say about this.
1) Every issuer goes through the same rating process and is required to give us contact details and personal financial information. We validate this information manually case by case as far as possible. For German issuers we pull a real credit score which verifies name, address and date of birth and allows us to exclude applicants who are in personal bankruptcy. We will add credit bureaus from more European countries (and hopefully from other countries throughout the world) as fast as we can. This reduces the number of applicants we have but we are convinced that it also reduces the number of scams.
2) If there is a default, we do have a mechanism, but the strength depends on the country of origin of the issuer. There is a legally binding and enforcable contract between bond issuer and buyer. This is why we have much longer Terms of Use compared to many other Bitcoin related sites. There will also be updates to the Terms of Use to further improve them from a legal standpoint. We have a lawyer working on it.
If somebody defaults the claim goes to a collection agency which means that the issuer's credit score will deteriorate. This is a strong incentive to repay, but only in countries where you do have credit bureaus and collection agencies. In Western Europe this is the case, in Africa this is more difficult which is why such bonds are regarded riskier.
1) Every issuer goes through the same rating process and is required to give us contact details and personal financial information. We validate this information manually case by case as far as possible. For German issuers we pull a real credit score which verifies name, address and date of birth and allows us to exclude applicants who are in personal bankruptcy. We will add credit bureaus from more European countries (and hopefully from other countries throughout the world) as fast as we can. This reduces the number of applicants we have but we are convinced that it also reduces the number of scams.
2) If there is a default, we do have a mechanism, but the strength depends on the country of origin of the issuer. There is a legally binding and enforcable contract between bond issuer and buyer. This is why we have much longer Terms of Use compared to many other Bitcoin related sites. There will also be updates to the Terms of Use to further improve them from a legal standpoint. We have a lawyer working on it.
If somebody defaults the claim goes to a collection agency which means that the issuer's credit score will deteriorate. This is a strong incentive to repay, but only in countries where you do have credit bureaus and collection agencies. In Western Europe this is the case, in Africa this is more difficult which is why such bonds are regarded riskier.
Les projets de la zone SEPA auront ma préférence...
J'ai pas mal apprécié le partage de l'expérience de ce découvreur, ça peut faire office de tutorial
(Attention, avertissement d'usage: je ne connais pas ce monsieur et comme tout ce qui tourne autour du bitcoin, il ne faut pas tout prendre argent comptant, ce pourrait être de faux témoignages issus des gars de bitbond) :
Bitbond Review: My Bitcoin Lending Test
http://peersociallending.com/investing/bitbond-review-my-bitcoin-lending-test/
Investing In My First P2P Bitcoin Loan On Bitbond (Pt2)
http://peersociallending.com/portfolio/placing-my-first-p2p-bitcoin-loan-on-bitbond-2/
Investing in My First P2P Bitcoin Loan On Bitbond Pt3
http://peersociallending.com/investing/investing-in-my-first-p2p-bitcoin-loan-on-bitbond-pt3/
Bitcoin Lending Report On Bitbond – December
http://peersociallending.com/portfolio/bitcoin-lending-report/
J'entends déjà les sceptiques, mais donner du sens au bitcoin c'est justement le confronter avec de telles problématiques.
Le but de ce fil de discussion est de partager nos stratégies de prêts pour tenter d'identifier les bons profils d'emprunteurs, les scammers évitables, etc. pour faire vivre et grossir nos bitcoins mais pas que.
Qu'en pensez-vous ?