@JasonMendoza2008 has paid back the following loan:

@JasonMendoza2008 - Loaned 100 mana. 105 mana due back at or before 11:59pm ET May 2, 2026.

Urgent requesting 1.5k-2k loan will repay within one week

@OnlyBoot I can loan 1.5k with 1.6k due back at or before 11:59pm May 31, 2026. Acceptable?

@Quroe 1.5k payback of 1.55k? If yes then sure

@OnlyBoot 1.5k with 1.55k back before the same deadline as above?

@Quroe sure

@OnlyBoot Hrm... Your credit utilization jumped since that offer. Give me until a little later tonight to really sit down and see what's going on here.

@OnlyBoot As discussed in DMs, does 3,000 mana loaned now with 3,050 due back at or before 11:59pm ET May 7, 2026 sound good?

@Quroe Yes

@OnlyBoot Granted!

@OnlyBoot has paid back the following loan:

@OnlyBoot - Loaned 500 mana. 515 mana due back at or before 11:59pm ET Apr 30, 2026.

@Quroe I would like a 100 mana loan. 105 mana back on 2nd May 2026. Is that possible?

@JasonMendoza2008 I like your trading portfolio. Just to confirm, 100 loaned to you now, 105 back at or before 11:59pm ET on May 2, 2026?

@Quroe yes exactly, that would be fantastic.

@JasonMendoza2008 Granted!

@JasonMendoza2008 I'm willing to extend an additional 2000 mana loan with 2100 due back at or before May 8, 2026.

@Quroe Yes please! Let's make it 2000 for 2100 on top of the already 100 for 105 loaned.

@JasonMendoza2008 Granted!

@OnlyBoot As discussed in DMs, does the following loan look agreeable?

500 loaned to you now, 515 mana due back at or before 11:59pm ET Apr 30, 2026.

@Quroe Yes

@OnlyBoot Granted!

[Urgent] Requesting 2000 mana loan with 20 mana interest paid in one week. Ignore if seen after 4/22/26.

@OnlyBoot I can give you that loan @Quroe if I get repaid from this, I'll pay the full interest back to you. I hope that's fine.

@100Anonymous I'll let you be the full, singular servicer of this loan if you want. I think I need to see a little more account history for this size of loan unless I can see the reason @OnlyBoot wants the mana for. I don't know how much risk I'm taking on with this loan otherwise.

@OnlyBoot is it fine if I give you a 500 mana loan with 20 mana interest? Sorry, with this mana balance, I can't give 2,000.

@100Anonymous 1000? Wait sorry Im new to loans how does the repaying of interest work.

@OnlyBoot If you DM me the target market you're taking aim at, I'll be more willing to loan on my own.

@100Anonymous Oh, wait, you're suggesting that I loan you mana so you can underwrite this loan yourself?

@Quroe what do you mean? I don't get what you are saying. (Do you mean that you would insure my loan?)
@OnlyBoot what I am saying is I'll give you 500 mana for 20 mana interest. Can't loan more than that because your balance is low.

@100Anonymous I'd be willing to loan you mana if you need more liquidity and want to take on the risk of this loan yourself. Your credit is good with me.

@Quroe oh, that's what you mean. In that case, no, I'll keep my 500 mana offer because I already have enough to pay the full loan.

@100Anonymous @Quroe Im so confused whats going on 😭

@OnlyBoot Anonymous is offering and negotiating for a smaller loan than what you're originally requesting.

I'm mulling over the risk factor of your initial request and trying to justify if the risk is worth the reward for me.

I was also offering Anonymous a loan in case they needed more mana and wanted to cover the full loan you were requesting themself. They would be the middleman in that case, but that doesn't seem like the route we are going with.

Loans can be complicated, under the hood!

@OnlyBoot if you don't understand, if let's say you lose your bet, then you may not be able to pay the loan. That is the risk factor. When making a loan, we consider the risk factor and the interest to decide if the loan is worth taking or not.

@Quroe "Gonling with?"

@OnlyBoot Have you explored the Manifold-native loans through leveraging your existing positions? That system typically has far better rates than I can offer.

@100Anonymous Thanks. Fixed my typo.

@Quroe Yes I use those loans

@Quroe or this.

Even margin loans offer slightly better rates. (Or significantly better with my reduced offers)

@100Anonymous I have another former bot account which has 6k networth which I can sell some if I need to repay incase I lose.

@OnlyBoot ok, will pay 2000

@OnlyBoot but tell me the bot account name.

@Quroe its @2ndPairofBoots, which does have 6,000 mana net worth

Seems like an agreement was reached!

@Quroe @100Anonymous whats the amount including interest I have to pay back.

@100Anonymous I'll let you take it from here. Feel free to use this comment section if you find it convenient.

@2ndPairofBoots 2020 mana

[URGENT] requesting a 2,000 mana loan, 25 mana interest, paid in one week. Ignore this request if this market has resolved- https://manifold.markets/MikhailTal/catl-receives-license-renewal-for-y-NnIUsAUC8g

@100Anonymous Still need it?

@Quroe no, it went down to 1.1%, so I won't really be getting much out of the loan anyway.

@100Anonymous Sorry I was late on the draw. But feel free to DM me in the future for these -- I don't steal alpha if people share markets with me that they're requesting loans for.

@100Anonymous As discussed in DMs, how about a loan of 200 mana with 205 due back before 11:59pm EST tomorrow?

@100Anonymous Test message. Are these post comments actually showing? I think I'm experiencing a bug.

@Quroe whoa, I saw you posted a comment or two here in my notifications that are in fact not showing up for me

@Quroe posts are working again, can you post a screenshot ledger.

@100Anonymous Alright! Manifold is back up! Fixing my ledger shortly...

@100Anonymous has paid back the following loan:

@100Anonymous - Loaned 200 mana. 205 mana due back at or before 11:59pm EST Apr 3, 2026.

Requesting a 5000 mana loan, with 1 mana of interest accrued per day (as discussed)

@SimonWestlake With the deadline of "to be paid back within a week of the Artemis II launch or before September 1 (whichever happens first)"? Please confirm.

@Quroe Yes, that's correct!

@SimonWestlake Granted!

@Quroe Would you be interested in doubling this arrangement under the same terms and deadlines here on the potential eve of the Artemis II launch?

For clarity, total interest would start accumulating at 2 mana per day, instead of just 1 per day like it does now.

@SimonWestlake I think I can swing it, sure! I'll make it a new line item loan on the ledger once you confirm again that it's basically the same terms, except it starts today.

@SimonWestlake Just be warned -- the deadline is absolute. I won't be renegotiating it.

@Quroe I agree to an additional loan under the same terms. I'm not concerned about meeting the payback deadline.

Thank you!

@SimonWestlake Granted!

@Quroe I have paid back both loans

@SimonWestlake has paid back the following loans:

@SimonWestlake - Loaned 5,000 mana. Accrues 1 mana of interest for every EST midnight elapsed since issuance on Mar 20, 2026. Due to be paid back before 7 elapsed EST midnights after the Artemis II launch or before 12:00am EST September 1, 2026, whichever happens first.

@SimonWestlake - Loaned 5,000 (additional) mana. Accrues 1 mana of interest for every EST midnight elapsed since issuance on Mar 31, 2026. Due to be paid back before 7 elapsed EST midnights after the Artemis II launch or before 12:00am EST September 1, 2026, whichever happens first.

@ItsMe has paid back the following loan:

@ItsMe - Loaned 10,000 mana. 11,000 mana due back on or before 11:59:59pm EST Feb 7, 2026. Naked loan, no policy.

I have paid back the following loan:

@bens - Being loaned 10,000 mana. 10,200 mana due back on or before 11:59:59pm EST Jan 22, 2026. Naked loan, no policy.

@JeromeHPowell As discussed in DMs, please publically confirm:

I loan 2,000 to you now, with 2,010 mana repaid to me by 11:59:59pm EST on Jan 11, 2026. Is this acceptable?

@Quroe yes, very acceptable

@JeromeHPowell Granted!

@JeromeHPowell has paid back the following loan:

@JeromeHPowell - Loaned 2,000 mana. 2,010 mana due back on or before 11:59:59pm EST Jan 11, 2026. Naked loan, no policy

@ItsMe As discussed in DMs, please publically confirm:

I loan 10,000 mana to you now, with 11,000 mana repaid to me by 11:59:59pm EST on Feb 7, 2026. Is this acceptable?

Yes

@ItsMe Granted!

@realDonaldTrump has paid back the following loan:

@realDonaldTrump - Loaned 1,500 mana. 1,500 mana due back once AI Clarifications Round 3 market resolves. Naked loan, no policy.

@MRME has paid back the following loan:

@MRME - Loaned 10,000 mana. 10,400 mana due on or before 11:59:59pm EST Jan 15, 2026. Naked loan, no policy.

A little more than was necessary, I might add. Do you want the 100 back?

@Quroe of course not. Those who believed in me when I was new here should reap the rewards.

@MRME May our partnership be long lasting.

3 most recent transactions:

I have repaid the following loan:

@bens - Being loaned 3,500 mana. 3,545 mana due back on or before 11:59:59pm EST Jan 2, 2026. Naked loan, no policy.

@Quroe oh sweet didn’t even notice this one in my feverish haze at the time

@bens This is why we make receipts. 😊

I hope you're feeling better.

Oh yeah. The screenshot.

@1bets has paid back the following loan:

@1bets - Loaned 4,000 mana. 5,000 mana due on or before 11:59:59pm EST Jan 4, 2026. Covered by C100 RISK policy.

@realDonaldTrump has paid back the following loan:

@realDonaldTrump - Loaned 1,000 mana. 1,040 mana due on or before 11:59:59pm EST Jan 29, 2026. Naked loan, no policy.

@realDonaldTrump As discussed in DMs, please publicly confirm:

I loan 1,000 mana to you now, with 1,040 mana repaid to me by 11:59:59pm EST on Jan 29, 2026. Is this acceptable?

@Quroe Yes

@realDonaldTrump Granted!

@MRME As discussed in DMs, please publically confirm:

I loan 10,000 mana to you now, with 10,400 mana repaid to me by 11:59:59pm EST on Jan 15, 2025. Is this acceptable?

@Quroe deal. Thank you!

@MRME Quick correction. It's 2026 as a due date. Still good? 😅

@MRME For the sake of expedition and getting this done quickly, I'll assume that the clerical error was obvious to the both of us. If it wasn't manifestly obvious, just send it back and we'll figure it out. I trust you.

@MRME Granted!

@Quroe yup!

@Quroe yup thanks!

@Quroe received

@ItsMe has paid back the following loan:

@ItsMe - Loaned 4,000 mana. 5,000 mana due on or before 11:59:59pm EST Dec 15, 2025. Covered by C100 RISK policy.

I caught a clerical error on my ledger. My loan with BenS has been corrected.

@bens - Being loaned 3,000 3,500 mana. 3,545 mana due back on or before 11:59:59pm EST Jan 2, 2026. Naked loan, no policy.

I accept y0ur loan of 4,000 mana now, and i will need to pay u back 5,000 mana on or before 11:59:59pm EST on Jan 4, 2026. 25% - ok I loan you 4,000 mana now, and i will need to pay you back 5,000 mana on or before 11:59:59pm EST on Jan 4, 2026.

@1bets After exchanging some DMs with you, please publicly confirm the following loan is acceptable:

I loan you 4,000 mana now, and you will need to pay me back 5,000 mana on or before 11:59:59pm EST on Jan 4, 2026.

Please confirm.

@Quroe agree

@Quroe thanl you, received

@1bets Granted!

I have paid back this loan:

@4fa - Being loaned 3,000 mana, started on Nov 21, 2025. Generates 4 mana of interest for each EST midnight elapsed until until Dec 21, 2025. After that, it generates interest per the rules in this discussion. To my knowledge, this is a naked loan with no insurance policy.

I can just cover the one from you with testnet Gorbagana via Gorid tips if you’d like - for each 1 to 1 GOR(testnet) to MANA. Up to 50000 Gorbagana (testnet) - Solana's creator's inspired Solana fork. You aso can pay me back those Gorbagana back - no interest rate

@GorbaganaChain I must respectfully decline, as that seems to violate this community guideline.

@mods Is it possible to hide that top level comment? I do not seem able to do it myself. It seems to be a continuation of this conversation, for context.

@Quroe why, thats the same PLAY money, nothing to do with Selling mana to another user for real money - you can't sell Trash

@Quroe i can delete, no worries if you ask

@GorbaganaChain I'm not interested in this arrangement. Good day.

This user has paid back the following loan:

@MRME

Loaned 7,000 mana. 7,700 mana due on or before 11:59:59pm EST Nov 1, 2025. Naked loan, no policy.

Can I have 10k and I give you 14k on Jan 1

@ItsMe Let's discuss in DMs.

@ItsMe As discussed in DMs, please publically confirm:

I loan 4,000 mana to you now, with 5,000 mana repaid to me by 11:59:59pm EST on Dec 15, 2025. Acceptable?

@Quroe Yes

@ItsMe Granted!

@MRME

This user has paid back the following loans:

Loaned 2,000 mana. 2,100 mana due on or before 11:59:59pm EST Oct 2, 2025. Naked loan, no policy.

Loaned 1,800 mana. 1,890 mana due on or before 11:59:59pm EST Oct 4, 2025. Naked loan, no policy.

@Quroe I’m happy to pay things back tomorrow. I would want another loan almost immediately to keep things going on my end. So, if you would rather I just send you 200 mana as interest and roll things 2 weeks, that also works for me. Just let me know so I can either send the interest payment or sell off some 99% bets waiting on resolution and send principle as well.

@MRME For the sake of completeness, please repay the loan so the paper trail in the ledger is clean, but I would very much be interested in the same/similar terms for another loan immediately after. How much do you need this time around?

@Quroe Sounds good. Let me gather my thoughts and run numbers and I'll get back to you.

@MRME As discussed in DMs, please publicly confirm:

I loan 7,000 mana to you now, with 7,700 mana repaid to me by 11:59:59pm EST on Nov 1, 2025. Acceptable?

@Quroe deal! Thank you!

@Quroe loan received. Thanks again!

@MRME Granted!

Update: things worked better than my baseline expectation and, in roughly 24 hours, I’ve already made enough mana to pay back the interest.

With that said, I also underestimated how much value I could potentially exploit from a couple of target markets.

I would be happy to accept up to an additional 4,000 mana under similar terms (25 mana in interest per thousand loaned per week) from either Quroe or anyone else that might be interested.

No worries if this exceeds risk tolerance/lack of diversification.

@MRME 1000M for 2 weeks? pay back 1050

@100Anonymous deal

@MRME I'll follow up:

I'll loan another 1,800 with 1,890 due back on or before 11:59:59pm EST on Oct 4, 2025. (edit: changed time to be correct.)

Please confirm if this is acceptable.

@Quroe Confirmed

@Quroe Received

@MRME Granted!

@100Anonymous received 1000 from anonymous. I am no longer looking for further loans. Thanks all!

@100Anonymous Payment sent with interest.

I'm pretty sure I'm going to have some good short term plays in the coming days. I'd like some more mana to fully exploit these to the max. Would anyone be willing to loan me 2,000 mana for 2 weeks?

I figure 100 mana in interest seems reasonable but I'm open to negotiate. If you want to loan shark style 2,000 for 3,000 its not worth it to me--I think I can make 10-20% on the opportunity, not 100%+.

@MRME After some DMs exchanged, I accept!

2000 mana loaned to you now, with 2100 mana due back on or before 11:59pm EST on Oct 2, 2025.

Please confirm.

@Quroe confirmed. Thanks!

@MRME Granted!

@StepanBakhmarin

This user has paid back the following loan:

Loaned 1,000 mana. 1,046 mana due Sep 12, 2025. Naked loan, no policy.

@Spin

@Spin - Loaned 2,000 mana. 3,000 mana due June 28, 2025. Covered by C_100 RISK policy.

Final reminder. If not paid by 11:59pm PST (about an hour and a half from now), then this will be considered late, and I will hand your debt over to RISK for collections.

@Quroe I suggest you wait 6 days, since RISk will only give 2k mana, while he might come in a day and give you full amount. On the 7th day, which is the last day to exercise RISK policies, take 2000M from RISK.

@100Anonymous No. I'm not playing games with loans. A deal is a deal is a deal.

@Spin [Comment deleted. This was inconsiderate and rude of me.]

can i get a loan pls?

@amitiscool Do you have an opening offer?

@amitiscool I've done a cursory review of your profile. I'm not entirely convinced loaning to you is a safe move. However, I might be interested in investing in you if your insider information on legislation proves true.

I want to see how this market resolves: /Bayesian/10-year-moratorium-on-any-regulatio

If you end up beating me on that market, I might be interested in a loan conversation. That being said, feel free to persuade me otherwise. Change my opinion and show me what I might be missing.

@amitiscool I can offer a 400 mana loan for 600 mana + insurance in 2 weeks. Sorry, but your profile is very high-risk.

@Quroe Ill write about it soon on my substack and send u the link later. But yes your very right.

@100Anonymous Im good for it. Please send me ur discord once you send the payment. Looking forward to being your loan bitch!

@amitiscool I don't have discord. Paid in the name of BANK

@100Anonymous okay thank you. so payment back in 14 days aka 600 mana on June 28th.

@amitiscool please pay 448 mana to @crowlsyong for RISK insurance

@100Anonymous Yeah I wasnt expecting I paid for the loan insurance, I assumed you did it.

Your loan is more like a insaurance theft or something then anything that provides me actual capital usage.

I may pay back your loan sooner then expiration.

@amitiscool no, because it costs more than I can profit!

@amitiscool I can refund 50 mana

@Quroe let me think about it

@amitiscool please pay back the loan

Nice!

@mods Kill it with fire.

@DavidJohnZdcS thanks for all the malware. It will truly help the community.