This market has a twist. If you bet LOWER, you commit to potentially making a loan at that interest rate.

At market close, the lowest bidder will make a market. I will set up limit orders on that market such that the profit if all are executed is M$10k. At the end of the term, the lowest bidder will N/A the market. Any other bidders may go through this process as well. This guarantees that I pay you back, and all associated fees will be reversed (except the transaction fee)

Market resolves to the lowest value that actually generates a loan, unless I decide not to execute, in which case the market resolves N/A