Ecoer Logo
VOTING POWER100.00%
DOWNVOTE POWER100.00%
RESOURCE CREDITS100.00%
REPUTATION PROGRESS0.00%
Net Worth
0.037USD
STEEM
0.000STEEM
SBD
0.000SBD
Effective Power
5.008SP
├── Own SP
0.636SP
└── Incoming Deleg
+4.371SP

Detailed Balance

STEEM
balance
0.000STEEM
market_balance
0.000STEEM
savings_balance
0.000STEEM
reward_steem_balance
0.000STEEM
STEEM POWER
Own SP
0.636SP
Delegated Out
0.000SP
Delegation In
4.371SP
Effective Power
5.008SP
Reward SP (pending)
0.006SP
SBD
sbd_balance
0.000SBD
sbd_conversions
0.000SBD
sbd_market_balance
0.000SBD
savings_sbd_balance
0.000SBD
reward_sbd_balance
0.000SBD
{
  "balance": "0.000 STEEM",
  "savings_balance": "0.000 STEEM",
  "reward_steem_balance": "0.000 STEEM",
  "vesting_shares": "1034.993913 VESTS",
  "delegated_vesting_shares": "0.000000 VESTS",
  "received_vesting_shares": "7108.665893 VESTS",
  "sbd_balance": "0.000 SBD",
  "savings_sbd_balance": "0.000 SBD",
  "reward_sbd_balance": "0.000 SBD",
  "conversions": []
}

Account Info

namestunny
id208564
rank1,450,900
reputation50312353
created2017-06-20T16:17:30
recovery_accountsteem
proxyNone
post_count3
comment_count0
lifetime_vote_count0
witnesses_voted_for0
last_post2017-07-11T19:25:51
last_root_post1970-01-01T00:00:00
last_vote_time2017-08-05T20:29:39
proxied_vsf_votes0, 0, 0, 0
can_vote1
voting_power0
delayed_votes0
balance0.000 STEEM
savings_balance0.000 STEEM
sbd_balance0.000 SBD
savings_sbd_balance0.000 SBD
vesting_shares1034.993913 VESTS
delegated_vesting_shares0.000000 VESTS
received_vesting_shares7108.665893 VESTS
reward_vesting_balance12.406964 VESTS
vesting_balance0.000 STEEM
vesting_withdraw_rate0.000000 VESTS
next_vesting_withdrawal1969-12-31T23:59:59
withdrawn0
to_withdraw0
withdraw_routes0
savings_withdraw_requests0
last_account_recovery1970-01-01T00:00:00
reset_accountnull
last_owner_update1970-01-01T00:00:00
last_account_update1970-01-01T00:00:00
minedNo
sbd_seconds0
sbd_last_interest_payment1970-01-01T00:00:00
savings_sbd_last_interest_payment1970-01-01T00:00:00
{
  "active": {
    "account_auths": [],
    "key_auths": [
      [
        "STM81hznB1hLxf1hgPZgFwUr9sPszp4o3cF7uDqJuiaCLVHM3WbBC",
        1
      ]
    ],
    "weight_threshold": 1
  },
  "balance": "0.000 STEEM",
  "can_vote": true,
  "comment_count": 0,
  "created": "2017-06-20T16:17:30",
  "curation_rewards": 6,
  "delegated_vesting_shares": "0.000000 VESTS",
  "downvote_manabar": {
    "current_mana": 2035914951,
    "last_update_time": 1779087534
  },
  "guest_bloggers": [],
  "id": 208564,
  "json_metadata": "",
  "last_account_recovery": "1970-01-01T00:00:00",
  "last_account_update": "1970-01-01T00:00:00",
  "last_owner_update": "1970-01-01T00:00:00",
  "last_post": "2017-07-11T19:25:51",
  "last_root_post": "1970-01-01T00:00:00",
  "last_vote_time": "2017-08-05T20:29:39",
  "lifetime_vote_count": 0,
  "market_history": [],
  "memo_key": "STM7T7pYaQSFbe32yJjbr2cFsXtuZfRHpHhP2fDYznmfRJq7tMoe7",
  "mined": false,
  "name": "stunny",
  "next_vesting_withdrawal": "1969-12-31T23:59:59",
  "other_history": [],
  "owner": {
    "account_auths": [],
    "key_auths": [
      [
        "STM8ZKmtkWZwwkRqwNvYfqVqTiZegHUTwuUY6teei4r9HHpg3wHmx",
        1
      ]
    ],
    "weight_threshold": 1
  },
  "pending_claimed_accounts": 0,
  "post_bandwidth": 0,
  "post_count": 3,
  "post_history": [],
  "posting": {
    "account_auths": [],
    "key_auths": [
      [
        "STM8Vnz5YdBhchot99iW3jtEDe6SL6fH8ViEMo7HaQ4s2HeT3pb5a",
        1
      ]
    ],
    "weight_threshold": 1
  },
  "posting_json_metadata": "",
  "posting_rewards": 0,
  "proxied_vsf_votes": [
    0,
    0,
    0,
    0
  ],
  "proxy": "",
  "received_vesting_shares": "7108.665893 VESTS",
  "recovery_account": "steem",
  "reputation": 50312353,
  "reset_account": "null",
  "reward_sbd_balance": "0.000 SBD",
  "reward_steem_balance": "0.000 STEEM",
  "reward_vesting_balance": "12.406964 VESTS",
  "reward_vesting_steem": "0.006 STEEM",
  "savings_balance": "0.000 STEEM",
  "savings_sbd_balance": "0.000 SBD",
  "savings_sbd_last_interest_payment": "1970-01-01T00:00:00",
  "savings_sbd_seconds": "0",
  "savings_sbd_seconds_last_update": "1970-01-01T00:00:00",
  "savings_withdraw_requests": 0,
  "sbd_balance": "0.000 SBD",
  "sbd_last_interest_payment": "1970-01-01T00:00:00",
  "sbd_seconds": "0",
  "sbd_seconds_last_update": "1970-01-01T00:00:00",
  "tags_usage": [],
  "to_withdraw": 0,
  "transfer_history": [],
  "vesting_balance": "0.000 STEEM",
  "vesting_shares": "1034.993913 VESTS",
  "vesting_withdraw_rate": "0.000000 VESTS",
  "vote_history": [],
  "voting_manabar": {
    "current_mana": "8143659806",
    "last_update_time": 1779087534
  },
  "voting_power": 0,
  "withdraw_routes": 0,
  "withdrawn": 0,
  "witness_votes": [],
  "witnesses_voted_for": 0,
  "rank": 1450900
}

Withdraw Routes

IncomingOutgoing
Empty
Empty
{
  "incoming": [],
  "outgoing": []
}
From Date
To Date
steemdelegated 4.371 SP to @stunny
2026/05/18 06:58:54
delegateestunny
delegatorsteem
vesting shares7108.665893 VESTS
Transaction InfoBlock #106151488/Trx 785fb5eb8370d4e1aa9de7375769fbba520b43ce
View Raw JSON Data
{
  "block": 106151488,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "7108.665893 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2026-05-18T06:58:54",
  "trx_id": "785fb5eb8370d4e1aa9de7375769fbba520b43ce",
  "trx_in_block": 0,
  "virtual_op": 0
}
steemdelegated 2.704 SP to @stunny
2026/05/13 07:11:00
delegateestunny
delegatorsteem
vesting shares4396.455488 VESTS
Transaction InfoBlock #106008446/Trx bfc349a0a32137cfe01ad9cf0170a3475aad77a6
View Raw JSON Data
{
  "block": 106008446,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "4396.455488 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2026-05-13T07:11:00",
  "trx_id": "bfc349a0a32137cfe01ad9cf0170a3475aad77a6",
  "trx_in_block": 9,
  "virtual_op": 0
}
steemdelegated 4.379 SP to @stunny
2026/04/26 06:09:42
delegateestunny
delegatorsteem
vesting shares7121.181649 VESTS
Transaction InfoBlock #105518954/Trx cac2ce6492023a6c63e16fb4fd8d4097247d41cd
View Raw JSON Data
{
  "block": 105518954,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "7121.181649 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2026-04-26T06:09:42",
  "trx_id": "cac2ce6492023a6c63e16fb4fd8d4097247d41cd",
  "trx_in_block": 0,
  "virtual_op": 0
}
steemdelegated 2.729 SP to @stunny
2026/01/24 01:54:36
delegateestunny
delegatorsteem
vesting shares4438.002307 VESTS
Transaction InfoBlock #102873503/Trx 353847da50625b5b85313ff29076cd1080da44d2
View Raw JSON Data
{
  "block": 102873503,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "4438.002307 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2026-01-24T01:54:36",
  "trx_id": "353847da50625b5b85313ff29076cd1080da44d2",
  "trx_in_block": 0,
  "virtual_op": 0
}
steemdelegated 2.830 SP to @stunny
2024/12/17 21:03:42
delegateestunny
delegatorsteem
vesting shares4602.221504 VESTS
Transaction InfoBlock #91319700/Trx 23b236f523640b6b59967b571171185124cb57c4
View Raw JSON Data
{
  "block": 91319700,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "4602.221504 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2024-12-17T21:03:42",
  "trx_id": "23b236f523640b6b59967b571171185124cb57c4",
  "trx_in_block": 0,
  "virtual_op": 0
}
steemdelegated 2.934 SP to @stunny
2023/11/14 12:43:45
delegateestunny
delegatorsteem
vesting shares4771.355036 VESTS
Transaction InfoBlock #79873819/Trx 73e6e882f661a93d65883717ef495fc6e2a5ffe7
View Raw JSON Data
{
  "block": 79873819,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "4771.355036 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2023-11-14T12:43:45",
  "trx_id": "73e6e882f661a93d65883717ef495fc6e2a5ffe7",
  "trx_in_block": 6,
  "virtual_op": 0
}
steemdelegated 4.740 SP to @stunny
2023/09/22 11:12:48
delegateestunny
delegatorsteem
vesting shares7708.263822 VESTS
Transaction InfoBlock #78363847/Trx 7988fbdcbd7159813db3e47de6b39c4cc1398a04
View Raw JSON Data
{
  "block": 78363847,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "7708.263822 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2023-09-22T11:12:48",
  "trx_id": "7988fbdcbd7159813db3e47de6b39c4cc1398a04",
  "trx_in_block": 0,
  "virtual_op": 0
}
steemdelegated 4.877 SP to @stunny
2022/11/03 18:34:42
delegateestunny
delegatorsteem
vesting shares7930.315260 VESTS
Transaction InfoBlock #69121471/Trx 19ba4b41ff6c2812053e2550a3bc21ab21156003
View Raw JSON Data
{
  "block": 69121471,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "7930.315260 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2022-11-03T18:34:42",
  "trx_id": "19ba4b41ff6c2812053e2550a3bc21ab21156003",
  "trx_in_block": 2,
  "virtual_op": 0
}
steemdelegated 5.012 SP to @stunny
2022/01/17 23:42:24
delegateestunny
delegatorsteem
vesting shares8150.422861 VESTS
Transaction InfoBlock #60824639/Trx 6604eeb3db6065b3360c0b4e6e203806f32d90d2
View Raw JSON Data
{
  "block": 60824639,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "8150.422861 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2022-01-17T23:42:24",
  "trx_id": "6604eeb3db6065b3360c0b4e6e203806f32d90d2",
  "trx_in_block": 27,
  "virtual_op": 0
}
steemdelegated 5.125 SP to @stunny
2021/06/14 06:51:30
delegateestunny
delegatorsteem
vesting shares8334.617149 VESTS
Transaction InfoBlock #54614923/Trx f9ca3c017bb96d018388a50b1cc4737b842ef4e9
View Raw JSON Data
{
  "block": 54614923,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "8334.617149 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2021-06-14T06:51:30",
  "trx_id": "f9ca3c017bb96d018388a50b1cc4737b842ef4e9",
  "trx_in_block": 11,
  "virtual_op": 0
}
steemdelegated 5.240 SP to @stunny
2020/12/11 17:03:18
delegateestunny
delegatorsteem
vesting shares8522.039123 VESTS
Transaction InfoBlock #49362169/Trx 3785eb3faf3cb1c0e821c2266dc7a5348daf2749
View Raw JSON Data
{
  "block": 49362169,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "8522.039123 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-12-11T17:03:18",
  "trx_id": "3785eb3faf3cb1c0e821c2266dc7a5348daf2749",
  "trx_in_block": 7,
  "virtual_op": 0
}
steemdelegated 1.176 SP to @stunny
2020/12/06 10:38:33
delegateestunny
delegatorsteem
vesting shares1912.543513 VESTS
Transaction InfoBlock #49213680/Trx a343ce3394ae966ff852515d235aa5797e8c03d0
View Raw JSON Data
{
  "block": 49213680,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "1912.543513 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-12-06T10:38:33",
  "trx_id": "a343ce3394ae966ff852515d235aa5797e8c03d0",
  "trx_in_block": 2,
  "virtual_op": 0
}
steemdelegated 5.244 SP to @stunny
2020/12/05 20:41:06
delegateestunny
delegatorsteem
vesting shares8528.246977 VESTS
Transaction InfoBlock #49197255/Trx b6752d5194fca6c2da12348c8b8176a7f83ae520
View Raw JSON Data
{
  "block": 49197255,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "8528.246977 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-12-05T20:41:06",
  "trx_id": "b6752d5194fca6c2da12348c8b8176a7f83ae520",
  "trx_in_block": 2,
  "virtual_op": 0
}
steemdelegated 1.181 SP to @stunny
2020/11/03 03:59:36
delegateestunny
delegatorsteem
vesting shares1920.017158 VESTS
Transaction InfoBlock #48272348/Trx 861f03f86abf56f58daa26b5dffd910af77953b2
View Raw JSON Data
{
  "block": 48272348,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "1920.017158 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-11-03T03:59:36",
  "trx_id": "861f03f86abf56f58daa26b5dffd910af77953b2",
  "trx_in_block": 4,
  "virtual_op": 0
}
steemdelegated 5.369 SP to @stunny
2020/05/09 11:42:27
delegateestunny
delegatorsteem
vesting shares8731.052336 VESTS
Transaction InfoBlock #43224023/Trx bef5b567deceb637f33d81607df061a6ebe084e3
View Raw JSON Data
{
  "block": 43224023,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "8731.052336 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-05-09T11:42:27",
  "trx_id": "bef5b567deceb637f33d81607df061a6ebe084e3",
  "trx_in_block": 20,
  "virtual_op": 0
}
steemdelegated 1.201 SP to @stunny
2020/05/08 16:11:57
delegateestunny
delegatorsteem
vesting shares1953.311140 VESTS
Transaction InfoBlock #43201170/Trx c7d1e782fa3dec7d5a6c1aba61693719acb93af0
View Raw JSON Data
{
  "block": 43201170,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "1953.311140 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-05-08T16:11:57",
  "trx_id": "c7d1e782fa3dec7d5a6c1aba61693719acb93af0",
  "trx_in_block": 26,
  "virtual_op": 0
}
steemdelegated 5.377 SP to @stunny
2020/04/16 03:40:09
delegateestunny
delegatorsteem
vesting shares8743.939784 VESTS
Transaction InfoBlock #42569588/Trx 1df051be8feeb7790db7ac2aefb22798debd5d10
View Raw JSON Data
{
  "block": 42569588,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "8743.939784 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2020-04-16T03:40:09",
  "trx_id": "1df051be8feeb7790db7ac2aefb22798debd5d10",
  "trx_in_block": 1,
  "virtual_op": 0
}
steemdelegated 5.497 SP to @stunny
2019/05/12 20:47:27
delegateestunny
delegatorsteem
vesting shares8939.556597 VESTS
Transaction InfoBlock #32852549/Trx 01aa546263d36ba642065a769c2a19f870207ddc
View Raw JSON Data
{
  "block": 32852549,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "8939.556597 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2019-05-12T20:47:27",
  "trx_id": "01aa546263d36ba642065a769c2a19f870207ddc",
  "trx_in_block": 23,
  "virtual_op": 0
}
steemdelegated 5.620 SP to @stunny
2018/05/17 03:04:48
delegateestunny
delegatorsteem
vesting shares9139.071689 VESTS
Transaction InfoBlock #22497994/Trx 98b780a008b48d7496d837f82834221d63eecad6
View Raw JSON Data
{
  "block": 22497994,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "9139.071689 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2018-05-17T03:04:48",
  "trx_id": "98b780a008b48d7496d837f82834221d63eecad6",
  "trx_in_block": 31,
  "virtual_op": 0
}
steemdelegated 18.215 SP to @stunny
2018/02/22 12:30:36
delegateestunny
delegatorsteem
vesting shares29621.129996 VESTS
Transaction InfoBlock #20092640/Trx 581171c0e19a99da6a7a9134640cb034dcc5f929
View Raw JSON Data
{
  "block": 20092640,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "29621.129996 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2018-02-22T12:30:36",
  "trx_id": "581171c0e19a99da6a7a9134640cb034dcc5f929",
  "trx_in_block": 8,
  "virtual_op": 0
}
steemdelegated 18.341 SP to @stunny
2017/10/13 16:28:06
delegateestunny
delegatorsteem
vesting shares29826.006087 VESTS
Transaction InfoBlock #16298744/Trx e45be2f810a8770116d858f682128dfdffd13937
View Raw JSON Data
{
  "block": 16298744,
  "op": [
    "delegate_vesting_shares",
    {
      "delegatee": "stunny",
      "delegator": "steem",
      "vesting_shares": "29826.006087 VESTS"
    }
  ],
  "op_in_trx": 0,
  "timestamp": "2017-10-13T16:28:06",
  "trx_id": "e45be2f810a8770116d858f682128dfdffd13937",
  "trx_in_block": 4,
  "virtual_op": 0
}
2017/09/08 11:02:06
authorstunny
permlinkre-ethlend-lending-ether-interest-free-on-ethlend-and-how-to-choose-the-right-amount-of-ecr20-token-collaterals-20170620t161956828z
voterwaynechongyao
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2017/08/07 20:49:27
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2017/08/07 20:49:15
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2017/08/07 20:49:09
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2017/08/07 20:48:54
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stunnyfollowed @ttuna
2017/08/07 20:48:48
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stunnyunfollowed @ttuna
2017/08/07 20:48:45
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stunnyfollowed @ttuna
2017/08/07 20:48:42
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2017/08/07 20:48:39
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2017/08/05 20:30:09
authorethlend
permlink30-hour-fintech-hackathon-this-weekend-as-ethlend-partners-up-with-jaarvis-accelerator-for-hack2solve
voterstunny
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2017/08/05 20:29:39
authorethlend
permlinksolving-problems-with-decentralization-and-lending-at-ethlend
voterstunny
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2017/08/05 20:29:21
idfollow
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2017/08/05 20:28:42
authorethlend
permlinkintroducing-ethlend-chat-to-it-s-peer-to-peer-lending-dapp
voterstunny
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2017/08/02 04:11:15
idfollow
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2017/07/29 10:26:48
authorethlend
permlinka-guide-on-reputation-based-lending-and-due-diligence-on-loan-request-on-ethlend
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2017/07/22 10:31:48
authorethlend
permlinkdapp-update-reputation-based-lending-and-5x-faster-dapp
voterstunny
weight10000 (100.00%)
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2017/07/16 20:31:48
comment authorethlend
comment permlinkwin-3000-lend-token-by-giving-us-your-best-suggestions-to-make-our-ico-the-most-interesting-to-you
curatorstunny
reward2.067091 VESTS
Transaction InfoBlock #13742874/Virtual Operation #9
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2017/07/15 16:58:48
comment authorethlend
comment permlinkimportant-announcement-on-ethlend-token-sale-and-reputation-system
curatorstunny
reward2.067219 VESTS
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stunnyreceived 0.003 SP curation reward for @ethlend / decentralized-lending
2017/07/13 17:28:54
comment authorethlend
comment permlinkdecentralized-lending
curatorstunny
reward4.134875 VESTS
Transaction InfoBlock #13652960/Virtual Operation #8
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2017/07/12 19:08:48
authorethlend
permlinkintroducing-ourselves-at-the-ethereum-meet-up-at-the-heart-of-germany-s-banking-city-frankfurt
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2017/07/11 19:25:57
authornosajj
permlinkre-stunny-re-nosajj-re-ethlend-decentralized-lending-20170707t073515234z
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2017/07/11 19:25:51
authorstunny
bodyI agree. The enforcement is difficult. That is the reason ETHLend uses collaterals such as ERC-20 tokens or ENS domain, to regain any defaults. We are introducing unsecured lending as well based on reputation. Would be great to solve the enforcement issue if lender wants to regain the lost loan capital. I think going jurisdiction by jurisdiction is not the right way. On the bio metric, I had lot of research on it, there are still some security isses, for example if one leaves fingerprint or shows a thumb on a picture, it could be compromized, some hybrid system would definitely work. Now we are keeping the ethlend so that enforcement is not necessary due to the collateral. However, once secured loans are in place, we definitely should consider how to enforce the defaulted debt.
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permlinkre-nosajj-re-stunny-re-nosajj-re-ethlend-decentralized-lending-20170711t192546512z
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2017/07/11 19:17:36
authorethlend
permlinkwin-3000-lend-token-by-giving-us-your-best-suggestions-to-make-our-ico-the-most-interesting-to-you
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2017/07/08 17:10:03
authorethlend
permlinkimportant-announcement-on-ethlend-token-sale-and-reputation-system
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2017/07/07 07:35:15
authornosajj
bodyI think that the concept itself will definitely be realised, but further down the road. As we move to bio metric and cloud based ID identification, it will be easier to perform the due diligence as it will just be reaching out to an API. What I still think will be the biggest stumbling block will be enforcing the contract, as different jurisdictions have different rules in relation to contract law. For instance which jurisdiction would be responsible for the dispute process, the buyers or lenders. I think the next step for p2p lending will be to mature the technology and processes within one jurisdiction because the above issues simply will not apply. The greatest test for the people around this industry will be to find out how they can scale that cross border in way that ensures confidence for both the borrower and lender.
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2017/07/07 07:25:00
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2017/07/06 20:32:48
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2017/07/06 19:34:12
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2017/07/06 19:34:12
authorstunny
bodyNosajj, I like your comment. Indeed regulation is for protection. Decentralized lending can work within regulation as well. I think this is more of a question of adopting technology that is way more advanced than the current banking system. Currently there are jurisdictions where centralized p2p lending is regulated, and jurisdictions where it is not. Factually I do not see a regulatory an issue when it comes to decentralized lending. I would like to link this to the Due Diligence (KYC, I presume) question. As a person with legal background, I have followed the discussions on legal conferences etc. about KYC and the issue of how it could be adopted in blockchain. However, I noticed that many discussions are related to what is KYC and the compliance behind it. No one proposes any workable solution. Maybe that is the nature with the legal people. We tend to find risks, not solutions. Factually, in my opinion KYC is quite easy to perform on decentralized environment. There is no restraint for me adding a link to data which contains DD material or filling up a questionnaire for review. The data could be even stored with Storj which would be decentralized. This how easy KYC really is. Moreover, thresholds (such as the loan amounts, new borrower, changes) could be added to alarm when KYC is required. We legal people always over analyse things due to the fact that we need to find risk and comply with the risk. Yet we do not usually provide the solution on how to achieve it. On the contractual issue and enforcement of the loan agreement: the easiest way to approach the question is to ask, how would it be done in centralized environment? You do not pay me, I will enforce the payment, what do I need? A contract. Contract or contractual relationship between the lender and the borrower can be established via Terms and Conditions between the lender. This would become a binding contract and can be enforced (of course some jurisdictions might require handwritten signature or even a notarization). However, if we do not know the counter party that could create an issue (of course if KYC'eed, not the case). Therefore, what actually Smart Contracts can perform is the security or create trust on the decentralized lending. This means that by using a collateral such as ERC-20 token or ENS domain, the lender can fund loans that are could regain the loss of capital on default. Therefore, we would not need to escape on centralized enforcement of the loan contract, since the lender can simply sell the token or auction the domain name to regain losses. I agree that wider adoption is limited due to collateral. However, reputation system can be used to borrow as well or self-sovereign identity for unsecured lending. I think the adoption is subject to the development on crypto/token economy itself, of course since decentralized lending needs decentralized economy.
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      "body": "Nosajj, I like your comment. Indeed regulation is for protection. Decentralized lending can work within regulation as well. I think this is more of a question of adopting technology that is way more advanced than the current banking system. Currently there are jurisdictions where centralized p2p lending is regulated, and jurisdictions where it is not.  Factually I do not see a regulatory an issue when it comes to decentralized lending. I would like to link this to the Due Diligence (KYC, I presume) question. As a person with legal background, I have followed the discussions on legal conferences etc. about KYC and the issue of how it could be adopted in blockchain. However, I noticed that many discussions are related to what is KYC and the compliance behind it. No one proposes any workable solution. Maybe that is the nature with the legal people. We tend to find risks, not solutions. Factually, in my opinion KYC is quite easy to perform on decentralized environment.  There is no restraint for me adding a link to data which contains DD material or filling up a questionnaire for review. The data could be even stored with Storj which would be decentralized. This how easy KYC really is. Moreover, thresholds (such as the loan amounts, new borrower, changes) could be added to alarm when KYC is required. We legal people always over analyse things due to the fact that we need to find risk and comply with the risk. Yet we do not usually provide the solution on how to achieve it. On the contractual issue and enforcement of the loan agreement: the easiest way to approach the question is to ask, how would it be done in centralized environment? You do not pay me, I will enforce  the payment, what do I need? A contract. Contract or contractual relationship between the lender and the borrower can be established via Terms and Conditions between the lender. This would become a binding contract and can be enforced (of course some jurisdictions might require handwritten signature or even a notarization). However, if we do not know the counter party that could create an issue (of course if KYC'eed, not the case). Therefore, what actually Smart Contracts can perform is the security or create trust on the decentralized lending. This means that by using a collateral such as ERC-20 token or ENS domain, the lender can fund loans that are could regain the loss of capital on default. Therefore, we would not need to escape on centralized enforcement of the loan contract, since the lender can simply sell the token or auction the domain name to regain losses. I agree that wider adoption is limited due to collateral. However, reputation system can be used to borrow as well or self-sovereign identity for unsecured lending. I think the adoption is subject to the development on crypto/token economy itself, of course since decentralized lending needs decentralized economy.",
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2017/07/06 19:04:15
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2017/07/04 10:02:39
comment authorethlend
comment permlinkwe-are-happy-to-announce-that-we-have-just-released-our-white-paper-on-github-feel-free-to-contribute-and-help-us-making-ethlend
curatorstunny
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2017/06/27 17:51:57
authorethlend
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2017/06/26 18:20:42
comment authorethlend
comment permlinklending-ether-interest-free-on-ethlend-and-how-to-choose-the-right-amount-of-ecr20-token-collaterals
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2017/06/20 18:57:15
authorstunny
permlinkre-ethlend-lending-ether-interest-free-on-ethlend-and-how-to-choose-the-right-amount-of-ecr20-token-collaterals-20170620t161956828z
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2017/06/20 16:19:54
authorstunny
bodyGreat article Sergej on volatility on Tokens. Will look forward to see how tokenization will evolve and what kind of volatility real property tokens will have.
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2017/06/20 16:18:21
authorethlend
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steemcreated a new account: @stunny
2017/06/20 16:17:30
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Witness Votes

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No active witness votes.
[]