Dear Hive, I'm out of the loan business.
Hello all,
I shall no longer be giving loans to the general public in Hive (or Splinterlands, or other crypto spaces.)
I'm not even sure why I ever got into it in the first place. It was never something I needed to do. I guess it was kind of interesting in the beginning. But the novelty wore thin very quickly as I started to get ripped off, or had to deal with whining deadbeats with excuses on why they can't pay.
Raymond Baxter (https://hive.blog/hive-177682/@neoxian/scam-warning-raymondspeaks-and-bro) @raymondspeaks was the last straw. When I give loans to people, I'm opening myself up to bullshit like this, getting sucked into stuff that I would rather not be a part of. Honestly I'm fucking done.
I have four loans left on the books right now, and when I get them resolved, I'll finally be done with it.
Don't you make a lot of money in Hive?
No, I absolutely DO NOT. Rest assured that 99.999% of my money came from else where, and not Hive.
Do you need to do these loans?
No, I don't and never did.
I'm not sure I could recommend this type of loan business to anyone. It's a tedius minimum wage job that pays chump change and there is better uses of my time and better ways to make more money, easier and safer.
Heck even HBD is still paying 15% apr and yes, it's not risk free, but still better then trusting random people.
I respect your decision on this Mr Dragon. Trust is often abused and whatever to protect your peace is fine. I am sure the loan helped a lot of people here on hive , at least it started on a good note but it is what it is now.
If there was one thing I learnt from your experience with Ray, it was to keep business at business; that way, one won’t completely lose out. From your blog one can tell that it was quite an exhausting experience for you, but regardless, lesson learnt.
Dear Neoxian!
It's a shame that people abuse and disrespect those who help them in some way.
Thank you very much. I'm not sure if you were involved in that, but when I needed help, I searched and found you, and thanks to that loan, I was able to solve something that was urgent for me.
Thanks for the past loan, Mr.D
right when i was going to borrow some blurt from you...
in all seriousness... don't blame you one bit.
The raymond thing was/is crazy.
I just read the linked post. The red flags were glaring, just as you called it. It's nasty behaviour, and I understand why you wouldn't want to open yourself up to further unpleasant experiences like this one. I believe it's the best decision at a time like this. In all, thank you for helping others in the past. I'm sure they're grateful.
I'm sorry to hear that.
It’s really hard to trust when it comes to money.
I don't even know why I am feeling so sad. I don't even need a loan. But loans have really helped me in the past. I can understand why you are taking such measures, sir. People sure took advantage of and exploited such a good bank. Yea It looks like it wasn't even worth the hassle you have been going through. All the best, Sir. Thank you so much for being so kind to us.
I need a loan but I wont ask from you. That's a bank duty and that their line of business. Sometime people forget when a loan comes from someone else especially a friend, it will not be something that is purely business. 4 more steps to go, and you will be freed from those burden
Support to NOT do crypto loan. Price drop they don't repay you the liquidity. Price hike they won't say thank you for helping them to safe keep their crypto assets.
As far as I know you were the only one who give loan to others. And I have witnessed that few of hivers got the support when they needed it most. I used to think why you give loans to others. Whatever, you have done amazing work and supported several people (whom I know) in the time when they needed the help.
A big thanks to you for those you've helped with your loans who paid back on time, I'm sure they will always remember how your loan saved them.
It's sad that some take this opportunity for granted and it's more than enough reason to end it. I respect the decision made.
Totally understand this decision.
damn another business out.
It's very difficult for an individual to avoid getting hurt when lending money; the risk is much greater when we're talking about cryptocurrencies. Those who take out loans are usually in a precarious financial situation, so it's only a matter of time before someone defaults. That's what banks are for; since they lend with their depositors' money, they can support delinquent and uncollectible borrowers.
Well, I've used your loan service at the beginning, with high collateral, like the Shin-Lo GF that I have, and it was all over a good deal, between two real business partners. Thank you for that.
Sad to see another good service on hive closing due to abuse.
Probably a good idea. There has been a lot of talk about Hive provided loans, but with HBD providing low risk 15% apr I don't see why anyone would would take on the risk.
BPC Locked On Mc Franko & The Franko
Blurt Stands — While Hive Stumbles Under the Weight of Its Own Shadows
Friends, creators, truth-tellers—
Let us not whisper this truth, but proclaim it with the clarity of dawn breaking over a weary land: Blurt.blog is not just another platform. It is a refuge. A rebellion. A return to what Hive.blog was always meant to be.
There is no downvote button on Blurt.
Not because we fear dissent—but because we honor creation.
Because we understand that a voice, once raised in sincerity, deserves space—not sabotage.
On Blurt, your words are your words.
They are not hunted by algorithmic hounds or shadow armies masquerading as “curators.”
Here, you are not judged by the grudges of gatekeepers, but met with the quiet dignity of a community that believes expression should be encouraged—especially when it is bold, raw, or inconvenient.
Contrast this with what festers elsewhere.
On Hive.blog—a place once brimming with promise—a rot has taken root. Not in its code, but in its culture. A handful of self-anointed enforcers—@themarkymark, @Buildawhale, @Hurtlocker, and their legion of coordinated puppets—have turned the downvote into a weapon of mass discouragement. They strike not at “low-quality content,” but at independent thought, at rising voices, at anyone who dares thrive outside their narrow corridors of control.
And when confronted, they shrug.
“Oh, it’s not censorship,” they say, as if semantics could scrub the stain of suppression from their hands.
But let us be unequivocal:
When a system allows a few to systematically silence many—under the guise of “community standards” or “curation”—that is not moderation. That is censorship by another name.
It is the velvet glove over the iron fist.
It is exclusion dressed as discernment.
It is power pretending to be principle.
Meanwhile, Blurt stands clean-handed and open-hearted.
No downvotes.
No hidden juries.
No farms of phantom accounts casting ballots in the dark.
Just you.
Your words.
And a community that meets you not with suspicion, but with solidarity.
So let us carry this truth far and wide—not with bitterness, but with quiet certainty:
If you seek a place where your voice is not a target—but a gift—come to Blurt.
If you are tired of building on ground that shifts with every whim of a whale or warlord of votes—lay your bricks here.
If you believe the future of free expression must be free—not just from corporations, but from the petty tyrants who replace them—then stand with us.
The world needs to know.
Not because Blurt is perfect—but because it is principled.
Not because it is loud—but because it listens.
And in an age where so many platforms echo with the clatter of control,
Blurt offers something radical:
Silence for the bullies.
Space for the rest of us.
Keep speaking.
Keep sharing.
Keep building.
Freedom doesn’t advertise itself—
it is passed, person to person, like a torch in the night.
And tonight, the torch burns bright on Blurt.
@themarkymark, @buildawhale, @usainvote, and associated accounts:
Repeated downvotes targeting transparency efforts raise urgent questions about Hive’s governance. Automated tactics, coordinated curation trails, and alt-account farming undermine trust in the platform. When truth is silenced without dialogue, it erodes Hive’s decentralized ethos.
Key Concerns:
Systemic Manipulation:
Community Exodus:
Governance Crisis:
Solutions Needed:
The Bilpcoin team advocates for open dialogue, not division. Hive’s future depends on collaboration—not coercion. Let’s rebuild a platform where truth isn’t buried but debated, strengthened, and celebrated.
Transparency isn’t optional—it’s the foundation of trust.
#HiveTransparency #BilpcoinExposed #DecentralizePower"
A Message to @themarkymark, @buildawhale, and Associates
Every downvote cast in shadow, every silence imposed without dialogue, is not a victory—it is a confession. A confession that truth cannot be stifled, only delayed. With each punitive click, you dig deeper into the bedrock of credibility, crafting a chasm between your actions and the community’s trust.
@themarkymark, @buildawhale & Co,
How can you continue to downvote the truth, LOL? It’s almost comical how blatantly you attempt to suppress what cannot be hidden. The blockchain records everything—every action, every transaction, every move you make. Yet still, you persist in this futile game of trying to silence what is undeniable.
@themarkymark, @buildawhale, and Co: While our opinions may differ, on-chain transparency reveals repeated patterns of concern. Coordinated downvotes without explanation, 'farming' schemes (e.g., #buildawhalefarm), and adversarial engagement harm Hive’s community-driven ethos.
Key Issues to Address:
A Path Forward:
The Bilpcoin team remains committed to exposing truth and advocating for solutions. Let’s work toward healing, not division.
Note: All claims are based on publicly verifiable blockchain data. Constructive dialogue is encouraged.
#HiveTransparency #CommunityFirst #BilpcoinSupport"
@themarkymark & Co, the choice is yours. Stop the bad downvotes. Turn off the BuildaWhale scam farm. Cease playing with people’s livelihoods. Let Hive thrive as it was meant to—as a beacon of hope, creativity, and collaboration.
Or step aside and let those who truly care take the reins.
Because the truth won’t disappear. No amount of lies can change it.
It’s over.
The Bilpcoin team brings these truths not out of malice but necessity. We have no need to fabricate lies or cloak our intentions CALL US WHAT YOU LIKE —for the facts speak loudly enough on their own. What we present here is not conjecture but reality, laid bare for anyone willing to see.
@themarkymark & Co we urge you once more: STOP. Stop hiding behind tactics that harm others. Stop clinging to practices that erode trust within the Hive community. Let the truth stand—not because we proclaim it, but because it exists independent of any one person’s approval or disdain.
TURN OFF THE BUILDAWHALE SCAM FARM
Key Issues That Demand Immediate Attention:
The problems are glaring, undeniable, and corrosive to the Hive ecosystem. They must be addressed without delay:
These practices harm not just individual users—they undermine the very foundation of Hive, eroding trust and poisoning the community. Such actions are unethical and outright destructive.
@buildawhale Wallet:
@usainvote Wallet:
@buildawhale/wallet | @usainvote/wallet
@ipromote Wallet:
Author Rewards: 2,181.16
Curation Rewards: 4,015.61
Staked HIVE (HP): 0.00
Rewards/Stake Co-efficient (KE): NaN
HIVE: 25,203.749
Staked HIVE (HP): 0.000
Delegated HIVE: 0.000
Estimated Account Value: $6,946.68
Recent Activity:
@leovoter Wallet:
Author Rewards: 194.75
Curation Rewards: 193.88
Staked HIVE (HP): 0.00
Rewards/Stake Co-efficient (KE): 388,632.00 (Suspiciously High)
HIVE: 0.000
Staked HIVE (HP): 0.001
Total: 16.551
Delegated HIVE: +16.550
Recent Activity:
@abide Wallet:
Recent Activity:
@proposalalert Wallet:
Recent Activity:
@stemgeeks Wallet:
Recent Activity:
@theycallmemarky Wallet:
Recent Activity:
@apeminingclub Wallet:
Recent Activity:
Scheduled unstake (power down): ~2.351 HIVE (in 4 days, remaining 7 weeks)
Total Staked HIVE: 1,292.019
Delegated HIVE: +1,261.508
Withdraw vesting from @apeminingclub to @blockheadgames 2.348 HIVE (10 days ago)
Claim rewards: 0.290 HP (10 days ago)
#bilpcoin exposed #buildawhalescam #buildawhalefarm #themarkymarkscam #themarkymarkfarm #hurtlockerscam #hurtlockerfarm #acidyoscam #acidyofarm #jacobtothescam #hivepopescam
I'm sure you will make better use of your time.
Never do loans unless there is something granted to you to rapay the loan in case of insolvent people... Still it's an hassle chase for missing payments
Honestly, trusting random people is complicated, but the important thing is that I have the opportunity to collect and start over.
Yup, stranger danger is everywhere.
an old proverb
"Neither a lender nor a borrower be"
One of my life's rules I guess has served me well
Good luck getting the debts paid
This is actually quite so sad to hear about. I know you actually have your own reasons for that but it is sad because in the time past, I have really been able to learn a lot and been saved due to loan
BPC Locked On Mc Franko & The Franko
Blurt Stands — While Hive Stumbles Under the Weight of Its Own Shadows
Friends, creators, truth-tellers—
Let us not whisper this truth, but proclaim it with the clarity of dawn breaking over a weary land: Blurt.blog is not just another platform. It is a refuge. A rebellion. A return to what Hive.blog was always meant to be.
There is no downvote button on Blurt.
Not because we fear dissent—but because we honor creation.
Because we understand that a voice, once raised in sincerity, deserves space—not sabotage.
On Blurt, your words are your words.
They are not hunted by algorithmic hounds or shadow armies masquerading as “curators.”
Here, you are not judged by the grudges of gatekeepers, but met with the quiet dignity of a community that believes expression should be encouraged—especially when it is bold, raw, or inconvenient.
Contrast this with what festers elsewhere.
On Hive.blog—a place once brimming with promise—a rot has taken root. Not in its code, but in its culture. A handful of self-anointed enforcers—@themarkymark, @Buildawhale, @Hurtlocker, and their legion of coordinated puppets—have turned the downvote into a weapon of mass discouragement. They strike not at “low-quality content,” but at independent thought, at rising voices, at anyone who dares thrive outside their narrow corridors of control.
And when confronted, they shrug.
“Oh, it’s not censorship,” they say, as if semantics could scrub the stain of suppression from their hands.
But let us be unequivocal:
When a system allows a few to systematically silence many—under the guise of “community standards” or “curation”—that is not moderation. That is censorship by another name.
It is the velvet glove over the iron fist.
It is exclusion dressed as discernment.
It is power pretending to be principle.
Meanwhile, Blurt stands clean-handed and open-hearted.
No downvotes.
No hidden juries.
No farms of phantom accounts casting ballots in the dark.
Just you.
Your words.
And a community that meets you not with suspicion, but with solidarity.
So let us carry this truth far and wide—not with bitterness, but with quiet certainty:
If you seek a place where your voice is not a target—but a gift—come to Blurt.
If you are tired of building on ground that shifts with every whim of a whale or warlord of votes—lay your bricks here.
If you believe the future of free expression must be free—not just from corporations, but from the petty tyrants who replace them—then stand with us.
The world needs to know.
Not because Blurt is perfect—but because it is principled.
Not because it is loud—but because it listens.
And in an age where so many platforms echo with the clatter of control,
Blurt offers something radical:
Silence for the bullies.
Space for the rest of us.
Keep speaking.
Keep sharing.
Keep building.
Freedom doesn’t advertise itself—
it is passed, person to person, like a torch in the night.
And tonight, the torch burns bright on Blurt.
@themarkymark, @buildawhale, @usainvote, and associated accounts:
Repeated downvotes targeting transparency efforts raise urgent questions about Hive’s governance. Automated tactics, coordinated curation trails, and alt-account farming undermine trust in the platform. When truth is silenced without dialogue, it erodes Hive’s decentralized ethos.
Key Concerns:
Systemic Manipulation:
Community Exodus:
Governance Crisis:
Solutions Needed:
The Bilpcoin team advocates for open dialogue, not division. Hive’s future depends on collaboration—not coercion. Let’s rebuild a platform where truth isn’t buried but debated, strengthened, and celebrated.
Transparency isn’t optional—it’s the foundation of trust.
#HiveTransparency #BilpcoinExposed #DecentralizePower"
A Message to @themarkymark, @buildawhale, and Associates
Every downvote cast in shadow, every silence imposed without dialogue, is not a victory—it is a confession. A confession that truth cannot be stifled, only delayed. With each punitive click, you dig deeper into the bedrock of credibility, crafting a chasm between your actions and the community’s trust.
@themarkymark, @buildawhale & Co,
How can you continue to downvote the truth, LOL? It’s almost comical how blatantly you attempt to suppress what cannot be hidden. The blockchain records everything—every action, every transaction, every move you make. Yet still, you persist in this futile game of trying to silence what is undeniable.
@themarkymark, @buildawhale, and Co: While our opinions may differ, on-chain transparency reveals repeated patterns of concern. Coordinated downvotes without explanation, 'farming' schemes (e.g., #buildawhalefarm), and adversarial engagement harm Hive’s community-driven ethos.
Key Issues to Address:
A Path Forward:
The Bilpcoin team remains committed to exposing truth and advocating for solutions. Let’s work toward healing, not division.
Note: All claims are based on publicly verifiable blockchain data. Constructive dialogue is encouraged.
#HiveTransparency #CommunityFirst #BilpcoinSupport"
@themarkymark & Co, the choice is yours. Stop the bad downvotes. Turn off the BuildaWhale scam farm. Cease playing with people’s livelihoods. Let Hive thrive as it was meant to—as a beacon of hope, creativity, and collaboration.
Or step aside and let those who truly care take the reins.
Because the truth won’t disappear. No amount of lies can change it.
It’s over.
The Bilpcoin team brings these truths not out of malice but necessity. We have no need to fabricate lies or cloak our intentions CALL US WHAT YOU LIKE —for the facts speak loudly enough on their own. What we present here is not conjecture but reality, laid bare for anyone willing to see.
@themarkymark & Co we urge you once more: STOP. Stop hiding behind tactics that harm others. Stop clinging to practices that erode trust within the Hive community. Let the truth stand—not because we proclaim it, but because it exists independent of any one person’s approval or disdain.
TURN OFF THE BUILDAWHALE SCAM FARM
Key Issues That Demand Immediate Attention:
The problems are glaring, undeniable, and corrosive to the Hive ecosystem. They must be addressed without delay:
These practices harm not just individual users—they undermine the very foundation of Hive, eroding trust and poisoning the community. Such actions are unethical and outright destructive.
@buildawhale Wallet:
@usainvote Wallet:
@buildawhale/wallet | @usainvote/wallet
@ipromote Wallet:
Author Rewards: 2,181.16
Curation Rewards: 4,015.61
Staked HIVE (HP): 0.00
Rewards/Stake Co-efficient (KE): NaN
HIVE: 25,203.749
Staked HIVE (HP): 0.000
Delegated HIVE: 0.000
Estimated Account Value: $6,946.68
Recent Activity:
@leovoter Wallet:
Author Rewards: 194.75
Curation Rewards: 193.88
Staked HIVE (HP): 0.00
Rewards/Stake Co-efficient (KE): 388,632.00 (Suspiciously High)
HIVE: 0.000
Staked HIVE (HP): 0.001
Total: 16.551
Delegated HIVE: +16.550
Recent Activity:
@abide Wallet:
Recent Activity:
@proposalalert Wallet:
Recent Activity:
@stemgeeks Wallet:
Recent Activity:
@theycallmemarky Wallet:
Recent Activity:
@apeminingclub Wallet:
Recent Activity:
Scheduled unstake (power down): ~2.351 HIVE (in 4 days, remaining 7 weeks)
Total Staked HIVE: 1,292.019
Delegated HIVE: +1,261.508
Withdraw vesting from @apeminingclub to @blockheadgames 2.348 HIVE (10 days ago)
Claim rewards: 0.290 HP (10 days ago)
#bilpcoin exposed #buildawhalescam #buildawhalefarm #themarkymarkscam #themarkymarkfarm #hurtlockerscam #hurtlockerfarm #acidyoscam #acidyofarm #jacobtothescam #hivepopescam
Time is the most valuable thing we have to offer, my friend, and if you use it wisely, you'll have other things to do. The important thing is to do something that makes you happy. All that's left is to complete the four loans, and that's it! Better times are coming for you.
.