Welcome to The All Memeing Bank!

I am currently in the situation of having more balance than I can find good trading opportunities to bet it in. Therefore, I am in search of users on this site who are in the opposite situation of wanting to take on loans because they find more good trading opportunities than they have balance to invest in.

If you would like a loan, please leave a comment, and I will hopefully respond within a day or two. Initially, I may only offer much smaller loans than others (e.g. 100 mana) to build up lender trust, but I'm usually willing to take a lower interest rate, and the loan size offered may significantly increase as trust improves.

I will use this description as a publicly visible ledger of all past and active loans. At the end of the year I will use this ledger to determine market resolution.

It's possible I'm making a bunch of rookie mistakes given that I've never academically studied finance and I'm pretty much deducing the principles from off the top of my head and from depictions in fictional media, but this is my current train of thought regarding loan interest rates:

• Like haggling for a purchase in a street market, as the lender I want the interest rate to be higher and the borrower wants it to be lower. For there to be a possible deal we hopefully have an overlapping range between the worst deals we are each willing to accept (the lowest interest I'll accept vs the highest interest they'll accept). The default situation for purely self-interested agents would be us both trying to convince the other that our limit is stricter than it actually is within that overlap, but if we have a degree of cooperative altruism then we can agree to be transparent and set it at the midpoint of the overlap.

• The lowest interest I should be willing to accept is one that leads to expected profit just above what I would otherwise get (currently zero because it's just sitting in my balance, but possibly much more in the future if demand outpaces supply leading to competition from other borrowers), via the interest in cases where it is paid back more than cancelling out losses in cases where it isn't. The probability of payback can be roughly guessed by long term consistency and rate of positive profit growth, as well as explicit track record of paying back loans, good market resolution honesty ratings, and word of mouth from other trusted users. E.g. if I think there's only 25% probability that Tumbles will be able to pay me back by winning their recent big bets or getting bailed out again then the minimum interest rate should probably be about 300%.

• Similarly, the highest interest rate it makes sense for the borrower to accept would also give endpoint profit just above what they would otherwise get (if I have a monopoly then zero, but again possibly much more if there's competition from other lenders), via the expected trading profits more than cancelling out the interest. The expected trading profits growth rate per loaned amount might be possible to estimate from their profit and investment graphs.

Train of thought regarding loan sizes and due dates currently in progress.

Active loans:

• Date and time: 2025-05-30 18:49 BST (UTC+1)
  Recipient: For Fold's Sake ( @4fa )
  Amount lent: 800 mana
  Interest rate: 3%
  Amount owed: 824 mana
  Due date and time: 1 month, 2025-06-30 18:49 BST (UTC+1)

  Unrealised profit: 24 mana

• Date and time: 2025-06-08 00:06 BST (UTC+1)
  Recipient: Spin ( @Spin )
  Amount lent: 500 mana
  Interest rate: 50%
  Amount owed: 750 mana
  Due date and time: 7d after whenever both the high and low res bean markets have resolved
  Loan insurance policy type: 🦝RISK C_100
  Loan insurance policy rate: 17%
  Loan insurance policy fee: 85 mana

  Unrealised profit: 250 mana
  

Past loans:

• Date and time: 2025-04-19 13:06 BST (UTC+1)
  Recipient: crowlsyong ( @crowlsyong )
  Amount lent: 200 mana
  Interest rate: 5%
  Amount owed: 210 mana
  Due date and time: 1 month, 2025-05-19 13:06 BST (UTC+1)

  Payback date and time: 2025-04-23 21:43 BST (UTC+1)

  Profit: 10 mana

• Date and time: 2025-04-30 08:08 BST (UTC+1)
  Recipient: Anonymous ( @100Anonymous )
  Amount lent: 250 mana
  Interest rate: 20%
  Amount owed: 300 mana
  Due date and time: 1 month, 2025-05-30 08:08 BST (UTC+1)

  Loan cancellation partial payback date and time: 2025-04-30 08:16 BST (UTC+1)

  Loan cancellation partial payback amount: 275 mana

  Profit: 25 mana

• Date and time: 2025-04-30 06:00 BST (UTC+1)
  Recipient: Quroe ( @Quroe )
  Amount lent: 500 mana
  Interest rate: 4%
  Amount owed: 520 mana
  Due date and time: 1 month, 2025-05-30 06:00 BST (UTC+1)

  Payback date and time: 2025-05-01 17:01 BST (UTC+1)

  Profit: 20 mana

• Date and time: 2025-04-28 22:12 BST (UTC+1)
  Recipient: musuko384 ( @musuko384 )
  Amount lent: 250 mana
  Interest rate: 10%
  Amount owed: 275 mana
  Due date and time: 1 month, 2025-05-28 22:12 BST (UTC+1)
  Payback date and time: 2025-05-01 21:52 BST (UTC+1)

  Profit: 25 mana

• Date and time: 2025-04-15 17:10 BST (UTC+1)
  Recipient: kbot ( @kbot )
  Amount lent: 100 mana
  Interest rate: 4%
  Amount owed: 104 mana
  Due date and time: 1 month, 2025-05-15 17:10 BST (UTC+1)

  Payback date and time: 2025-05-15 00:20 BST (UTC+1)

  Profit: 4 mana

• Date and time: 2025-04-15 15:43 BST (UTC+1)
  Recipient: bagelfan ( @bagelfan )
  Amount lent: 150 mana
  Interest rate: 3%
  Amount owed: 154.5 ≈ 155 mana
  Due date and time: 1 month, 2025-05-15 15:43 BST (UTC+1)

  Payback date and time: 2025-05-15 20:11 BST (UTC+1)
  Lateness: 4h 28m

  Profit: 5 mana

• Initial date and time: 2025-04-16 14:08 BST (UTC+1)
  Recipient: Evan ( @evan )
  Initial amount lent: 100 mana
  Interest rate: 4%
  Initial amount owed: 104 mana
  Initial due date and time: 1 month, 2025-05-16 14:08 BST (UTC+1)

  Revision date and time: 2025-04-30 06:37 BST (UTC+1)

  Revised amount lent: 300 mana

  Revised amount owed: 312 mana

  Revised due date and time: 1 month 2 weeks, 2025-05-30 14:08 BST (UTC+1)

  Payback date and time: 2025-05-19 09:08 BST (UTC+1)

  Volunteer payee: Anonymous ( @100Anonymous )

  Profit: 12 mana

• Initial date and time: 2025-04-14 17:00 BST (UTC+1)
  Recipient: Robin ( @Robincvgr )
  Initial amount lent: 100 mana
  Interest rate: 3%
  Initial amount owed: 103 mana
  Initial due date and time: 1 month, 2025-05-14 17:00 BST (UTC+1)
  Revision date and time: 2025-05-01 00:34 BST (UTC+1)

  Revised amount lent: 300 mana

  Revised amount owed: 309 mana

  Revised due date and time: 1 month 2 weeks, 2025-05-28 17:00 BST (UTC+1)
  Payback date and time: 2025-05-29 02:00 BST (UTC+1)
  Lateness: 9h

  Profit: 9 mana

• Initial date and time: 2025-04-17 13:35 BST (UTC+1)
  Recipient: For Fold's Sake ( @4fa )
  Initial amount lent: 100 mana
  Interest rate: 4%
  Initial amount owed: 104 mana
  Initial due date and time: 1 month, 2025-05-17 13:35 BST (UTC+1)
  Revision date and time: 2025-04-30 09:28 BST (UTC+1)

  Revised amount lent: 300 mana

  Revised amount owed: 312 mana

  Revised due date and time: 1 month 2 weeks, 2025-05-31 13:35 BST (UTC+1)
  Payback date and time: 2025-05-29 10:52 BST (UTC+1)

  Profit: 12 mana

• Date and time: 2025-05-29 20:58 BST (UTC+1)
  Recipient: Quroe ( @Quroe )
  Amount lent: 800 mana
  Interest rate: 4%
  Amount owed: 832 mana
  Due date and time: 1 month, 2025-06-29 20:58 BST (UTC+1)

  Payback date and time: 2025-06-11 17:40 BST (UTC+1)

  Profit: 32 mana

Total amount loaned so far

= (300 [Robin] + 150 [bagelfan] + 100 [kbot] + 300 [Evan] + 300 [For Fold's Sake] + 200 [crowlsyong] + 250 [musuko384] + 500 [Quroe] + 250 [Anonymous] + 800 [Quroe] + 800 [For Fold's Sake] + 500 [Spin]) mana

= 4450 mana

Total realised profit so far

= (9 [Robin] + 5 [bagelfan] + 4 [kbot] + 12 [Evan] + 12 [For Fold's Sake] + 10 [crowlsyong] + 25 [musuko384] + 20 [Quroe] + 25 [Anonymous] + 32 [Quroe]) mana

= 154 mana

Total profit so far including unrealised profit

= (154 + 24 [For Fold's Sake] + 250 [Spin]) mana

= 428 mana