felipelalli: mircea_popescu: thank you so much, but I don't need in this moment, and I hope not need soon, or never. Also, the private keys of my btcs isn't so easy to access right now. But if I need it one day for (an investment in my company maybe?), the first place I'll try is here. But I won't, don't worry. I think my loans on btcjam was another excitement test than real need. I thoroughly enjoyed your offer, very grateful for that.

felipelalli: Guys, I just wrote an article about BTCJam: https://yeppudaproductions.wordpress.com/2015/03/27/btcjam-e-genericos-nao-use/

felipelalli: BTCJam CEO is a Brazilian by the way

felipelalli: So, this: http://blog.btcjam.com/2015/03/19/btcjam-introduces-risk-based-pricing-interest-rates-set-automatically-by-credit-score/ makes me "cry". I ran to qntra.net to read something about that and for my surprise I didn't find anything. But now I understand why. Not fully yet, but I can at least understand your point of view.

felipelalli: and, of course, 4) there are better investments than BTCJam to you. ☟︎

felipelalli: ben_vulpes: I thought it was a global problem, but I learned here that: 1) there are rich guys (you guys) that really don't care about it. 2) there are guys with rich friends :) 3) your interest rate are ridiculous cheap. BTCJam really don't solve anything to you.

felipelalli: But now, BTCJam simply eliminated the free market where the user could choose its own interest rate (and let it free to investors fund or not), and they automagically calculate the interest rate. With this new rule, I can get by 3.5% per month. That is not a huge problem for me, actually, I was using this more like a test. But they simply buried the "service". Even if it was a zombie's forehead shot.

felipelalli: Itaú normal interest rate: 7% PER MONTH. My interest rate in Itaú (because I am an old client): 4.8%. BTCJam: 2.8%. It makes a huge difference when you calculate the compound interest per year. ☟︎

felipelalli: right lists, and the right rates. I really want to understand better why you guys dislike it so much. In my country the interest rates are very high. In my bank, for example, I can get a loan with 7% per month MIN! APR 125% and in BTCJam I made some tests and I could get my first loand with 3% per month (42% APR) and then the second 2.8% (39% APR). The loan is so fucking high in bank that I can say like mircea_popescu said: "we are

felipelalli: I read your BTCJam article on trilema

felipelalli: I said to BTCJam CEO: "mircea said BTCJam is not even a service" he said "who is this?" and then tried to convince me "other people disagree with him"

felipelalli: mircea_popescu: Where can I find objective arguments against BTCJam? As a lending service and reputation system? And what are the alternatives for P2P lending or we don't have? They have 113,000 users, should they be ignored? ☟︎

felipelalli: danielpbarron: I have to go now! :) I'll write an article about this bad move of BTCJam soon. Thank you.

felipelalli: danielpbarron: but do you think BTCJam was a crap from the start to end?

felipelalli: why do you think services like BTCJam are already dead?

felipelalli: R.I.P. BTCJam. It was a nice service!!

felipelalli: Anyone can write about this on qntra.net? They just eliminate one of the best features of BTCJam. ☟︎

felipelalli: I'm crying here. :'( The simply just killed the BTCJam.

felipelalli: My dear gang noise, did you guys see THIS: http://blog.btcjam.com/2015/03/19/btcjam-introduces-risk-based-pricing-interest-rates-set-automatically-by-credit-score/ ?