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tobixen - investments

tobixen - investments

Days since last payment 331 days
avatar 0n0t0le 2015-11-09 21:05

Great investor++ Thanks

avatar Kacper 2015-12-23 23:57

Trusted user.

avatar Nicholas Null 2016-01-06 02:03

Payment for your investment will arrive this weekend. Thank you for your investment. Let me know if you have any questions.

avatar BitBargains 2016-02-05 03:53

Tobixen is a well known and well regarded investor in the community. Great to see him on the platform.

Roberttt462 2016-02-09 10:31

Payment for your loan will be sent as soon as it the deposit shows?

avatar Sebungkus 2016-02-10 09:52

Trusted user.

investor++ . Thanks for invest me :')

avatar Kacper 2016-02-10 11:38

Thanks for investing. Nice to have you there

avatar Andrew Wayne 2016-02-18 16:28

Good investor!

avatar RichieETHMiningOP 2016-03-06 04:13

Hi I want to get a loan for my ETH mining operation I would love your help if you can. Thank you my email is Richard.Bonfield@yahoo.com anyone can email me for any questions and I can verify my ID no problems

avatar Aspore 2016-03-07 12:51

Saw your decentralized trust thing on Github and i wanted to let you know I'm working on it ;)

avatar Saul Durazo 2016-03-14 01:54

Hi, Can u Send me your email? or how i can contact you? i need one load of 3 Btc, for something special, but i wanna explain to you all, and maybe u can help me

avatar BTC_Arbitrage 2016-04-05 18:11

Hallo Tobyxen, i see u are an investor here. Hope you could support my project : https://getline.in/u/482 . Thank you

avatar BTC_Arbitrage 2016-04-09 09:22

Thank For little help. Hope you could increase your limit for support my project.

avatar Borgminer 2016-04-09 13:35

IM awaiting on coins . thanks for your support

avatar BTC_Arbitrage 2016-04-12 11:10

Need your help, please read my post :)

avatar Andrew Wayne 2016-04-20 13:28

No problems at all :) and if you have loose coins again I will make use of them :)

Thank you

avatar 0n0t0le 2016-04-27 09:44

Hi Tobias need some loan support on 1 week. Thanks

avatar kira-mira-1985 2016-05-04 18:01

Thank you for your loan. To test the p2p loan bitcoin.

avatar BTC_Arbitrage 2016-05-10 19:16

Hope you increase your limit for me. I have an hero account on BTC talk that give me about 0.04 BTC per week by signature. See here http://i64.tinypic.com/2s6vp5i.jpg

avatar kellu 2016-06-08 18:38

Investors my loan look please..

avatar kellu 2016-06-08 19:04

https://getline.in/u/777

avatar Thomas Falcon 2016-06-09 18:22

Hallo, i see you have some investment here. I not ask for more from you. Just something from 0.1 to 0.20. I'm active on BTC talk, offering service of trading manager and buy account for signature. From signature campaign i obtain about 0.01 BTC daily. Hope you could help me. Thank you

avatar Thomas Falcon 2016-06-16 14:16

Hallo Tobixen, i hope in your little help to develop my projects . Thank you

avatar ing. Amato Massimo 2016-06-20 16:06

Good Morning, I see that you are a lendere here. Should you consider my request for credit line? I am available for any clarification and I'm willing to listen to all your suggestions (for example, someone tells me where to find the meaning of the various graphics such as burnout?)

avatar BTC-Dan 2016-06-22 20:36

Hi Tobixen

Hope you are well, was wondering if you could check out my profile and give me any pointers? https://getline.in/u/858

Looking to become an active member of the community so all feedback welcome! Cheers

Dan

avatar Thomas Falcon 2016-06-25 15:16

I JUST MADE MY FIRST REPAYEMENT on my line. Hope in your little support for increase my business.

avatar ing. Amato Massimo 2016-06-30 12:28

Hallo Tobixen, could you take a look to my application and if possible help to finance my business?

avatar L’Isola d’Oro™ 2016-07-01 11:02

I hope in your support, and please feel free to ask me any further information. Thank you

avatar L’Isola d’Oro™ 2016-07-01 11:03

I own a Jewelry in a tourist resort in Italy. I recently increased my bid for acquiring new brands of products. My intention is to using this credit line to promote my sales through Bitcoin rebates: for every purchase paid for in FIAT, i will give the customer a rebates in Bitcoin. I hope in your support, and please feel free to ask me any further information. Thank you

avatar Kacper 2016-07-11 00:39

Clebson - you will get banned for spamming

avatar MrWang 2016-07-11 16:52

Thank you for being such a huge contributor in my business endeavors.

ETHhorder 2016-07-17 13:37

i want a loan for cannabis related activity in the south of cornwall. i supply a huge group which all members are disabled. and/or sick in some way. i have had no problems thus far im just looking too expand! i'm looking too start out small and build the amount up over time, i can afford to repay a loan of 1btc straight away but obviously that requires trust, so looking to start small and build up!

avatar Avinash 2016-07-26 17:00

Hi, I see that you are an active investor on this community. Please have a look at my loan application

avatar Matheus Bittencurt 2016-07-29 10:42

thanks for investment .. very soon will be paid!

avatar Matheus Bittencurt 2016-07-29 12:15

Hello, friend, I believe that order has been paid, if you can confirm I thank you!

avatar GammaGooblin 2016-07-30 11:52

Thanks for your Support so far

avatar Sumit Agarwal 2016-08-03 19:00

thanks for your investment sir

avatar liez 2016-08-13 10:27

https://getline.in/u/1316

please look my profil to give me loan

avatar Andreas Arry 2016-08-15 05:28

Hi Tobixen,

My ID: https://getline.in/u/1372

I want develope my business in education ( Courses Create Android Apps). I need funds to buy and upgrade some equipment: computer and projector, need Total Loan 2 bitcoin. You can see my profile and my posting in this forum before make decision.

avatar Matheus Bittencurt 2016-08-23 05:00

Personally, I got a message on my email saying I have late payments, however had no knowledge, because in my dashboard says that the next payment is only earlier this month that is coming more to honor and stop this application to saturday night I make the deposit and will be settled this request, I apologize however had not seen the email before and as I said in the dashboard appears only as a month! Sorry for the delay and thank you!

avatar Taimur Tariq Sikandar 2016-08-25 19:07

well.... i don't think my comment really matter.. Just wanna thank you and appreciate you work for the community...

avatar Joshua 2016-08-26 13:49

Fantastic investor even better human being :)

avatar Ali Raheman 2016-08-27 02:38

Thanks for the investment, I appreciate it :)

avatar Totalreturnfund 2016-09-06 17:32

Good Evening,

I'm totalreturnfund from Bitcointalk.org . Could you help me to finance my loan application? https://getline.in/u/1278

Thank you

avatar Joshua 2016-09-07 17:11

DO NOT INVEST IN THE ABOVE.

Unless he writes with the same account as the actual Totalreturnfund as it could be an imposter (obviously)

avatar Doris Turner 2016-09-08 08:19

Would you like to invest your valuable coin with me https://getline.in/u/1231. You will happy with me..i always pay on time..

Ji Yong Kim 2016-09-13 03:51

Please help my mother... My mother has some cancer...

https://getline.in/u/1614

avatar Djenny Floro 2016-09-22 08:11

Hi, thanks for investing in me !

Great investor !

avatar Matheus Bittencurt 2016-09-23 18:18

personal hello, as many know I have my fixed income working with sublimation, when I have big order always use bank where I account to request loans for the purchase of raw material.

Well, in Brazil is having strike of bank and no bank is working and also not have any prediction back to the end of this month and need to deliver a big order until day 31, would like you guys to help so that I could buy that matter in which is missing for me to make the production of this order, I have account here a few months and have never had any problem type in relation to the payment of installments.

This value will have return in about 20 to 25 days after having all the value I need, are B 1.5 so I can make the purchase of this raw material, then please those who can finance, among a few days I return the value, so I deliver the order we receive the payment and paid the amount requested here!

avatar Iuly 2016-09-26 22:09

https://getline.in/u/1584

avatar Avnish Kumar 2016-09-27 05:53

Dear tobixen - Would you like to add some coin to my creditline..I have already verified my information with getline.in

damirkatarina38 2016-09-27 21:33

I would like to contact you but i am new here and i cannot find your email so please check my request and contact me on my mail....we can discuss custom rates if 0.12 is too low for you......https://getline.in/u/1741 contact me: damirkatarina38@gmail.com

I

avatar InnaLaut 2016-10-08 10:25

Hello! Please see my profile https://getline.in/u/1772.

I read about you. I understand that you are big risks. But I need your help. All the necessary documents I can send you in the mail. Please contact me at inna.laut@gmail.com. Thank you!

avatar L’Isola d’Oro™ 2016-10-12 16:33

Hi Toxiben,

Would you take a look to my profile ? https://getline.in/u/922

avatar Nattakit Oat Kaewjinda 2016-10-15 21:22

Hello sir.

Need You in my Project Sir.pls come to my Line and read it before.i hope u will help me and join with me.

https://getline.in/u/1922

Thankyou sir.

avatar arruah 2016-10-17 18:01

Please invest to my loan. I need 15BTC for 1% monthly. I have B+ btcjam rating

avatar Nattakit Oat Kaewjinda 2016-10-18 04:48

Need U Read Before https://getline.in/u/1922

avatar Aslan Kairbekov 2016-10-20 15:29

A good investor! Thank you for investing in me!

avatar GENNCS 2016-10-23 18:50

Loan will be used for trading at Paxful

https://paxful.com/user/genncs

Im ready to answer any of your questions, Thankyou, best regards Genncs

https://getline.in/u/1944

avatar Account inactive! 2016-10-27 00:20

my profile https://getline.in/u/1254

avatar sciack 2016-12-19 00:41

Hi I am sciack from BLC if you want to invest with me I have moved on this platform now!

avatar Елена Антонова 2016-12-20 08:15

Здравствуйте всем.. Я тут недавно , срочно возьму 12BTC на 14 дней на ваших условиях

avatar Prakasitboom 2016-12-20 13:11

Hello

Please consider my profile.

https://getline.in/u/2121

Thank

avatar sciack 2016-12-20 17:39

why did you remove the investment? I was waiting for support to approve my withdrawal request

ETHhorder 2016-12-31 23:53

i went quiet because i had to find 2k in the bank and 2 btc to trade, check local bitcoins and you can see i am actively trading. expect deposits once every few days. Also only give you the heads up

swisswatcher 2017-01-16 09:27

Take a look at my first loan - https://getline.in/u/2306

avatar Avinash 2017-01-23 13:56

I'm looking for a credit line. Attractive returns guaranteed.

avatar Sumit Agarwal 2017-01-30 19:45

I have request a credit line for 0.10% interest rate ealier it was good but now you have changed to 0.20% (which is almost 72% per year)

Please lower it to 0.10%

avatar eduardoariasmoreno 2017-02-09 21:21

hello friend, not begging ;P asking, you can see my profile in Btcpop, i have shares for 2 Btc now and some alcoins and almost a year investing there, if you whant more info please let me know, good day

https://getline.in/u/676

zootgama 2017-04-22 21:13

Hi there, I noticed you have invested in Jeffbortoff/Borgminers loan: https://getline.in/u/146

The guy has a history of not repaying his loans, so put some througt into whether or not you invest in his line of credit.

Thanks ZG

avatar Sergey Denisov 2017-05-01 15:31

Hi help me raise 1 BTC. I will return with 10% interest

https://getline.in/u/3794

avatar Andrew Jesus 2017-05-31 04:12

Hi, I have a very good investment opportunity, I just lack an amount. I can present the proposal, if you're interested, you can contact privately.

https://getline.in/u/4123

avatar clebson_naty@hotmail.com 2017-06-21 23:57

ola meu amigo eu estou precisando de 0,01 voce pode me ajudar

MLeandro 2017-06-23 08:26

Hi there, dear investor

Would you kindly have a look to my request?

Thank you for you attention.

Joshua Esterhuizen 2017-07-03 08:00

Hi there, please review my request. Thank you.

Joshua Esterhuizen 2017-07-03 09:34

I will not run away with your money hence my my identity is not hidden and I would like to earn a good reputation too.

avatar Roman Romanov 2017-07-06 12:27

Dear Investor, lots of positive comments here about you. I would like to ask about the possible loan of 0.5 BTC. You offer the interest rate.

avatar Walysson Paiva 2017-08-31 23:43

Hello! I'm looking for a loan of 0.5BTC to get the 3BTC in total and start to make investments and trading. Interest rate is you offer. Thanks for the help!

avatar Subodh Kumar 2017-12-06 07:37

Help me raise 0.2 BTC https://getline.in/u/1203

Invest

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Description

For lenders

For technical reasons I've created a new account for borrowing purposes - please visit tobixen - borrowing account and give me a line! (And please cancel credit lines on this account!)

For potential borrowers

Please read through the full profile before begging for a credit line.

Getline is not a magical place where one can just get a loan; it's no bank, and the risk from the lenders side of things is very high.

A big majority of people (or perhaps it's better to say "user accounts", it seems likely that some people have registered multiple accounts) begging for a credit line are scammers with no intention to repay the credit line. I know this by experience; I've lost quite a lot on peer-to-peer lending so far. Don't take it personally - but if I don't know you, and you come to me and ask for a credit line, I have to pretty much assume you're a scammer. And even if you're not an intentional scammer, it could very well be that you'll get into economic problems and be unable to repay the credit line. I will expand on the different risks below.

It's 100% based on trust - how can I trust you?

Traditional banking relies on lawful collection and collateral either in the borrowers wealth or in the borrowers income. That doesn't quite work out with peer-to-peer cryptocurrency lending.

If a borrower simply doesn't want to pay back, the lender has most likely lost the funds as there are usually no ways to do lawful collection. If I don't know you and we don't have any common friends ... sorry, I have to assume you're a scammer. Who knows, maybe you're a nice and trustworthy person ... but the risk that you're not is just too big.

Most of those I've invested significantly into on Getline I either know personally, or people I trust have vouched on them as highly trusted persons. Still, I'm quite worried that some of my borrowers will simply decide to keep the funds instead of paying back. Indeed, I have gone deep into one scammer just due to a glut of people vouching for the scammer. It's amazing how far a professional scammer can get through a combination of a clever social engineering attack plus building up a good credit history.

So if you want a getline loan, start by inviting your friends and colleagues to getline and ask them for a line. The only possible "collateral" there is here is reputation - there is not much to gain from the lenders side of things, but one should assume the borrower would not like the reputation damage of having unpaid loans on public display. To be able to use reputation as collateral, one needs to already have some reputation - i.e. a respected bitcointalk account, and impressive github user account, etc.

BTC price volatility hurts lenders

If the BTC value drops, then I'm also losing money as a BTC lender. That's fair enough, I'd be losing more money if I'd been hodling on to the bitcoins. The big problem is that if the BTC price grows a lot, borrowers tend to default, often causing a mess where the lender loses 100% of the investment. Hence, the lenders are at risk of ending up as a loser no matter which way the BTC price swings.

Dear borrower - how do you hedge against the risk of a raising BTC? Will you be able to repay the loan if the BTC value doubles within a week?

Too high interests is bad business

Due to the high risk of defaults, the interest rates also needs to be high to compensate for the defaults, this causes several problems ...

  • high interest rates will cause a bias towards scamming; legitimate borrowers will find the rates too high while scammers don't really care about the rates. How can I know for sure you're not intending to just run away with my money?

  • high interest rates will cause a bias towards the high-risk borrowers; the low-risk, business-minded borrowers will probably find that the interest rates are too high while the more naïve, risk-taking and less experienced borrowers will find the high interest acceptable. Dear borrower ... are you prepared that your business plan will fail, do you have any backup plans for repaying the loan, and will you accept that you're personally responsible for repaying the loan - with interests?

  • high interest rates increases the likelihood of defaults even among honest and business-minded borrowers - I think that by average maybe it's possible to expect a 10% return rate on business investments, meaning that most long-term loans with more than 10% APR are unsustainable. A 44% APR loan is normal at Getline, and quite often borrowers tend to accept loans at more than 100% APR.

Bitcoin forking risk

The bitcoin community has been quite split for the last couple of years over the blocksize limit issue, this may cause a fork. Let's say that after the fork we'll end up with two coins, "major bitcoin" and "minor bitcoin", with the "major bitcoin" being worth more than the "minor bitcoin".

In the best case the "major bitcoin" will be the winner, its value will soon grow higher than the pre-fork-value, and the "minor bitcoin" will have insignificant value. I'd expect the borrowers to pay back the "major bitcoin" and I'd ignore the "minor bitcoin", and the getline site to support the major bitcoin. However, there is a risk that the borrower fanatically will insist the "minor bitcoin" is the only Real Bitcoin, then the investors have to eat the loss.

In the very worst-case scenario there is not so much difference between the value of the "minor bitcoin" and "major bitcoin", both sides will claim their coin is the real Bitcoin. I'd expect my borrowers to pay back in both coins. There will for sure be lots of development costs supporting that from the getline site, and there will for sure be borrowers that disagrees with my expectation. The value of both branches will probably plunge so much from such a scenario that the debt will be worthless anyway.

For existing borrowers

Don't hesitate to drop me an email if you need a bigger credit line or lower interest rate; while I cannot promise anything it may be that I'll be able to help.

Safeguard
Type Contents Created
Phone number Hidden... 2015-11-13 15:07:44.398933
Full name Hidden... 2015-11-13 15:08:06.264087
Home page Hidden... 2015-11-13 15:08:26.925273
BitcoinLendingClub Profile Hidden... 2015-11-16 17:01:42.984367
Address Hidden... 2015-11-16 17:01:57.144159
BTCJam Profile Hidden... 2015-11-16 17:02:07.754907
year of birth Hidden... 2015-12-06 20:45:44.666627
Depth graph

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Loans
Loaner Amount Interest
Nothing
Investments
Borrower Amount Interest
avatar sciack ฿3 0.01000%
avatar Konseptual ฿0.0093 0.01000%
avatar Andrew Wayne ฿4.59 0.01500%
avatar Damo Thompson ฿0.3 0.02000%
avatar Marcin Michalak ฿3 0.02200%
avatar Тамара Павлович ฿0.53866833 0.04900%
avatar Borgminer ฿7.35 0.05000%
avatar Kacper ฿5.08285645 0.05000%
avatar Mr Ocean ฿3.52 0.06600%
sinisuba
฿0.034 0.10000%
avatar Jessiskar ฿0.55 0.10000%
avatar kira-mira-1985 ฿0.01999688 0.10000%
avatar Naresh Kumar ฿0.005 0.10000%
avatar MarcoPT ฿2.5 0.10000%
avatar on247 ฿0.2 0.10000%
avatar Dominic Pelletier ฿0.51 0.10000%
Marcin Michalak - invest
฿0.00000002 0.10000%
kkravi
฿13.71606727 0.10002%
avatar JJ Ores ฿4.45 0.10003%
avatar mroriental ฿0.72106312 0.10100%
avatar MAGsistemas ฿4.3 0.13000%
avatar GammaGooblin ฿4.76 0.14001%
avatar Ali Raheman ฿2.76962452 0.15000%
Roberttt462
฿0.1 0.15000%
baci.arianit
฿0.45679975 0.15000%
avatar arruah ฿0.00053927 0.15000%
avatar henriksjoden9 ฿0.36 0.15000%
avatar CoinPro ฿1.13834479 0.15004%
avatar Ajay Seervi ฿8.6 0.15500%
avatar Joshua ฿1.7 0.16000%
avatar BitBargains ฿1.42235792 0.16001%
avatar Aspore ฿0.05 0.17000%
avatar MrWang ฿2 0.18001%
avatar Avnish Kumar ฿0.05 0.19600%
avatar mattjhagen ฿0.05 0.20000%
avatar Raj Verma ฿0.001 0.20000%
avatar AyuHTB ฿0.02 0.20000%
avatar Dominic Quick ฿0.00999345 0.20000%
avatar matti paakki ฿0.00075954 0.20000%
avatar Aslan Kairbekov ฿0.01 0.20000%
avatar Taimur Tariq Sikandar ฿0.3 0.20000%
phoebe
฿0.564 0.20000%
avatar Lewis Toms ฿0.8 0.20000%
avatar Ronnel Ang ฿0.07717079 0.20000%
avatar Kasa Navakantha Rao ฿0.2 0.20000%
avatar Yamini Chauhan ฿0.01 0.20000%
avatar eneilwex ฿0.01 0.20000%
avatar tedy ฿0.62344683 0.20010%
avatar Matheus Bittencurt ฿0.085 0.20020%
avatar dsmillie ฿0.00617385 0.24000%
avatar Paweł Jan Ossa ฿0.385 0.25001%
avatar Gefijon ฿0.39999982 0.25001%
avatar carlos_rincones ฿0.2 0.25900%
avatar Sebungkus ฿0.03 0.29000%
avatar Vijay Bhole ฿0.005 0.30000%
avatar Kacper Pastuszka ฿0.08 0.30000%
avatar prchauhan1993 ฿0.005 0.30000%
avatar Niketa Rani ฿0.01 0.30000%
akumar7
฿0.001 0.30000%
avatar Tim W ฿0.05 0.30000%
pawel.j.ossa
฿0.2 0.35000%
avatar Chris Gowdie ฿0.045 1.00000%
avatar BTC_Arbitrage ฿0.012 1.00000%
smieci
฿0.00099993 1.00000%
History

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