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Bank Eve
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Posted - 2007.07.05 00:42:00 -
[1]
I'm currently looking for investors to provide the funding for the bank.
The Bank will work as follows, Players will eve mail "Bank Eve". To open an account. a User ID, and API key will be required. This information will be kept in the upmost confidence. And will be used to determine your credit score.
One your account is opened, you will have a savings account, and the ability to get a loan. The initial loan amount, will only be in the range of 1-5million, again this is based on skills/etc.
A new Player will be required to take out a few loans, and pay them back on time in order to build up credit.
The Interest rate on the loan will be a variable rate that will be determined by a lot of different variables that i wont go into here. Starting rate will be in the neighborhood of 8-10%
Payments will be required every week.
there will be a 1 month Term, 3 Month Term, and 6 month Term.
Of course there will also be a Savings Account which will have a Interest rate around the lines of 4%. This will also require a Account. And saving money, will also build ur credit.
The interest difference in loaning/savings, will be put back into the "bank". This "profit" will be used for loans, etc. Also Will be what your share in the bank is worth.
For example if there is 10 Billion Isk in the bank, and u own 1 share out of 100, it will be worth 100 million.
Basically the bank will work for the investors. Of course if a lot of people only scam the bank, and never pay anything back, this will hurt the investors share. and the investors will of course loss money.
That is one reason the API key, will be used for the bank opening, and a credit will be required to be built up, this will prevent more then 1 account from being scamed with, and also a limit on how much they can steal.
All the money that is made will be put back into the bank, until I decided that enough money is in the system that is capable of covering costs/etc. Then dividends will start being paid, but this is down the road.
This first few days As I set everything up i will be accept investments. 1 Share will be selling for 10 million isk. 51% of the corp called "Bank of EVE" will be retained by me. If You have any questions or comments feel free to post them here, or EVE Mail me on "Bank EVE".
I also have a lot of future plans, as for the ability for players to purchase ships through the bank, at a much lower WPR ( Weekly Percent Rate ). Etc. All profits will be put back into investors hands, I will be putting in my own ISK , which will be how i will Make isk off this idea the same way as the investors.
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Shar Tegral
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Posted - 2007.07.05 00:44:00 -
[2]
The first question: Who are you?
Nothing else matters half as much as this.
The Eve-Online forums may not have invented whining, but they sure have perfected it.
Shar Tegral> Well someone please say something quotable for this month!!!! |
Ricdic
Caldari
Corporate Research And Production Pty Ltd
Zzz
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Posted - 2007.07.05 01:20:00 -
[3]
Ugh.
We need a CAOD type enforcement agency here.
POST WITH YOUR MAIN, OR CONFIRM WITH YOUR MAIN!
Oh, and you will never get my API key, so therefore I will never do business with your organisation, not for credit, and not for loans. I guess I understand you want to use it for people wanting loans. But why should we be forced to provide you this key if we are wanting to keep money stored in your 'bank account'?
Also, you have advised on loan interest rates, how much will deposit interest rates be?
When do you realistically plan on posting dividends?
How much cash are you raising in total?
Please post your OWN API key for verification!
Why should we trust you?
Do you already have the systems/spreadsheets and crap in place to begin this?
Realistically you cannot expect people not to scam you. They definetly will. You may get a handful of legit, but lose a lot to scammers.
What security precautions will you be taking against scammers?
Did it take you more than 26 minutes to write that post?
Need Empire Research Slots. Click here |
KluTch
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Posted - 2007.07.05 02:35:00 -
[4]
this is my main.
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Calladen Nimitz
Caldari
Sovereign Enterprises
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Posted - 2007.07.05 02:35:00 -
[5]
Edited by: Calladen Nimitz on 05/07/2007 02:35:56
You've only made four posts in your eve career. Some references would be a good place to start.
Calladen 
SOVEREIGN ENTERPRISES WEBPAGE AND FORUMS |
Bank Eve
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Posted - 2007.07.05 02:46:00 -
[6]
 Originally by: Ricdic
Ugh.
We need a CAOD type enforcement agency here.
POST WITH YOUR MAIN, OR CONFIRM WITH YOUR MAIN!
Oh, and you will never get my API key, so therefore I will never do business with your organisation, not for credit, and not for loans. I guess I understand you want to use it for people wanting loans. But why should we be forced to provide you this key if we are wanting to keep money stored in your 'bank account'?
Also, you have advised on loan interest rates, how much will deposit interest rates be?
I already stated aprox 2% WPR, Meaning if u give me 100,000 Isk. you will get 2% of that every week, Thats 2,000 Isk a week.
When do you realistically plan on posting dividends?
Depends on How well the Corp Does, If 90% of the people scam, then never. if most people pay loans back on time, and there is a lot of "loans" taken out, then obviously sooner. However, I dont except dividends to be paid out for a few months.
How much cash are you raising in total?
There is no Limit, However, I would like aprox 1 Billion Isk Starting. I will be puting in 200-300 Million of my own.
Please post your OWN API key for verification!
Why should we trust you?
I don't except anyone to trust me, I except people to invest small amounts of money starting off, and it growing slowly until it becomes a trustworthy business.
Do you already have the systems/spreadsheets and crap in place to begin this?
Yes
Realistically you cannot expect people not to scam you. They definetly will. You may get a handful of legit, but lose a lot to scammers.
What security precautions will you be taking against scammers?
As I stated before, API/User Info will be the primary way to prevent somebody from deleting/remaking Alts, and and withdrawing huge amounts of money from the bank. Also the requirement for building credit will prevent users from scamming large sums of cash. A Newbie will only be able to get a loan for 1 million or so, starting out, if they choose not to pay it back, i will have there UserID recorded and they will never be able to receieve a loan again. Again, I currently except aprox 1 in 5 people to scam this bussiness, and thats where the starting interest rates come from. There is a lot of risk in this. I also was thinking I might hire Mercs for the bigger loans scammers.
Did it take you more than 26 minutes to write that post?
Nope.
But I've been working on the idea for some time now.
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Bank Eve
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Posted - 2007.07.05 02:49:00 -
[7]
Originally by: Calladen Nimitz
Edited by: Calladen Nimitz on 05/07/2007 02:35:56
You've only made four posts in your eve career. Some references would be a good place to start.
Calladen
Yes, I'm not a big forum poster. And this would be the first investment type corp i wanna start.
I've been playing eve Since Beta tho, if u check my info in game you can confirm that.
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Okaii
Kiki's Delivery Service
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Posted - 2007.07.05 03:02:00 -
[8]
Originally by: Bank Eve
One your account is opened, you will have a savings account, and the ability to get a loan. The initial loan amount, will only be in the range of 1-5million, again this is based on skills/etc.
A new Player will be required to take out a few loans, and pay them back on time in order to build up credit.
What's to stop me creating alts, taking out loans and not paying them back? Even if you only loan 1-5M people will do this just to grief you. 
Alternatively, I have about 5B isk. I don't know what credit score that would give me, but lets say you'll lend me 50M. I take it and not pay you back. What are you going to do? Credit back-list me? Hire mercs? 
I hope this type of business can be made to work. I really do, but I just don't think it is practical to offer unsecured loans. The investment side can work (see EIB - sort of), but then it's a question of people trusting you rather than you trusting them. And trust me, they won't trust you.
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Bank Eve
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Posted - 2007.07.05 03:07:00 -
[9]
Originally by: Okaii
Originally by: Bank Eve
One your account is opened, you will have a savings account, and the ability to get a loan. The initial loan amount, will only be in the range of 1-5million, again this is based on skills/etc.
A new Player will be required to take out a few loans, and pay them back on time in order to build up credit.
What's to stop me creating alts, taking out loans and not paying them back? Even if you only loan 1-5M people will do this just to grief you.
Alternatively, I have about 5B isk. I don't know what credit score that would give me, but lets say you'll lend me 50M. I take it and not pay you back. What are you going to do? Credit back-list me? Hire mercs?
I hope this type of business can be made to work. I really do, but I just don't think it is practical to offer unsecured loans. The investment side can work (see EIB - sort of), but then it's a question of people trusting you rather than you trusting them. And trust me, they won't trust you.
This is where the API/UserID comes into play. The UserID is UNIQUE to an Account. It doesnt matter how many ALTS you make... the UserID will always be the same.. There for that ACCOUNT will be blacklisted.
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Shar Tegral
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Posted - 2007.07.05 03:43:00 -
[10]
Originally by: Bank Eve
And this would be the first investment type corp i wanna start.
Want and will are two different things. You have no demonstrated ability to manage this type of investment. This has nothing to do with your intention of having some programming done. This actually means - Do you know what you are doing. Starting out this large and in this manner only demonstrates you have big ideas but no sense of scope. So far there is nothing that says you are big enough to make those ideas a reality. A smart person, or wise one, knows you can't jump into the deep end of the pool your first time. Originally by: Bank Eve
I've been playing eve Since Beta tho, if u check my info in game you can confirm that.
Your info does not support your claim. Typing "Beta Tester" in your bio does not an Eve Beta Player make you. What does that matter any way? People keep thinking that it's age in game that makes the difference and it is not. It is how well people know you and that is something that takes time. Other than that who cares how long you've been playing. I doubt if you have the credibility to be a trust holder for people's privileged info. It is that simple. Would you trust an unknown player with your money/api key?
The Eve-Online forums may not have invented whining, but they sure have perfected it.
Shar Tegral> Well someone please say something quotable for this month!!!! |
Okaii
Kiki's Delivery Service
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Posted - 2007.07.05 03:56:00 -
[11]
Originally by: Bank Eve
Originally by: Okaii
Originally by: Bank Eve
One your account is opened, you will have a savings account, and the ability to get a loan. The initial loan amount, will only be in the range of 1-5million, again this is based on skills/etc.
A new Player will be required to take out a few loans, and pay them back on time in order to build up credit.
What's to stop me creating alts, taking out loans and not paying them back? Even if you only loan 1-5M people will do this just to grief you.
Alternatively, I have about 5B isk. I don't know what credit score that would give me, but lets say you'll lend me 50M. I take it and not pay you back. What are you going to do? Credit back-list me? Hire mercs?
I hope this type of business can be made to work. I really do, but I just don't think it is practical to offer unsecured loans. The investment side can work (see EIB - sort of), but then it's a question of people trusting you rather than you trusting them. And trust me, they won't trust you.
This is where the API/UserID comes into play. The UserID is UNIQUE to an Account. It doesnt matter how many ALTS you make... the UserID will always be the same.. There for that ACCOUNT will be blacklisted.
Fair enough. I still don't think black-listing (even if it's an entire account) is enough deterrent to griefers/scammers. Debt collectors exist in real life for a reason, and there is no practical way (that I can see) for debt collection to work in Eve.
You will either offer such trifling amounts that no-one will bother taking a loan or you will be bled dry by defaulters.
People have shown that saving banks and secured loans can be profitable businesses in Eve, but I really doubt an unsecured loan business could ever work.
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Shar Tegral
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Posted - 2007.07.05 03:58:00 -
[12]
I forgot to point out:
How do you guarantee, to your investors and debtors, that you will not be using your access to their financials for anything more than just credit worthiness determination?
The Eve-Online forums may not have invented whining, but they sure have perfected it.
Shar Tegral> Well someone please say something quotable for this month!!!! |
Okaii
Kiki's Delivery Service
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Posted - 2007.07.05 04:04:00 -
[13]
Originally by: Shar Tegral
Would you trust an unknown player with your money/api key?
As a minor point of order (I fully agree with the rest of what you're saying), and perhaps you already know this, but you can change your API key at any time. So you can generate a key, allow the bank to take a snapshot of your info when you open the account and then generate another to immediately bar them afterwards. Still a lot of info to give, but you're not trusting them to hold it secure in perpetuity.
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Kazzac Elentria
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Posted - 2007.07.05 04:21:00 -
[14]
Originally by: Shar Tegral
I forgot to point out:
How do you guarantee, to your investors and debtors, that you will not be using your access to their financials for anything more than just credit worthiness determination?
He doesn't...given that level of information one could find out, I'd actually imagine the info to be worth far more than the actually investment itself.
Hence why the bait seems so small |
Bank Eve
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Posted - 2007.07.05 05:07:00 -
[15]
Its impossible to prove to anyone that I'm not going to scam you. I can agrue with all of you all day long, until the cows come home.
The only way to gain trust is to start slow. I agree with this. I don't except to get many investors, I'm in-fact putting the majority of my own money into this idea.
One of the primary reasons I even posted this idea here, was to get some input on what everyone thought. Yes There is no way to stop somebody from stealing a loan i give them. This is why Decided to use the API key/User ID. Yes this gives out a LOT of information about you. But isnt that the case in every other loan you take out in real life. Its not possible to make "friends" with every person I Meet.
I'm not excepting to start off with a huge investment. 10 Million isk is nothing. This gets you 1 share. I can make 10 million isk in a few minutes of game time. I don't need that money. I'm doing this to get the name of the business out there, and prove to everyone that I am indeed NOT a scammer.
Shortly after I get some investments. I will start accepting loan applications and savings accounts. The game doesn't have any sort of mechanics to prevent Scams like this. So I came up with the concept of user the API key, to determine a players ability to pay the loan back, but judging his skills he has. Also this gives me a way to VERIFY who he is by his account.
This "bussiness" is planned to focus on more "new" or "solo" players. Who are trying to get a kick start. later on when the corp becomes more reputable I plan to open it up to allow corporate Loans, etc.
If you as investors Think that requiring a API key wont work, then tell me how you think it will be done, and i will change it. I think there is huge potential for a business like this. And of course GREAT risk.
Yes I would suggest everyone change there API Key, directly afterwards, which is simply one click.. And Yes I will have a snap shot of your skills. But Truthfully I have a excel sheet, where i put in the amount of sp you have in each group. And I put down your UserID and Character names in the account. The SP's are then calculated to determine a "credit score" which I will use to determine you ability to generate cash, and risk.
After that I have no use for any other information and wont require "daily" access to it.
I'm very opened to idea's at this point, so any other thoughts or suggestions you guys have on "alternative" ways of doing something like this I would greatly welcome them.
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Bank Eve
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Posted - 2007.07.05 05:10:00 -
[16]
Originally by: Kazzac Elentria
Originally by: Shar Tegral
I forgot to point out:
How do you guarantee, to your investors and debtors, that you will not be using your access to their financials for anything more than just credit worthiness determination?
He doesn't...given that level of information one could find out, I'd actually imagine the info to be worth far more than the actually investment itself.
Hence why the bait seems so small
I can only make it a requirement for users who want a loan. Investors and Savings accounts in theory dont require this kind of verification.
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Takahashi Arran
coracao ardente
Triumvirate.
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Posted - 2007.07.05 08:29:00 -
[17]
leaving aside all the trust issues why on earth would anyone want to invest in something which isn;t going to give dividends out for several months and which you have admitted is likely to be targeted by scammers and so have little dividends anyway :????
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Templer Relleg
Endgame.
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Posted - 2007.07.05 10:17:00 -
[18]
99,9% chance that this is a poorly made scam. Investing into this is like giving isk away to a random person.
But if you invest.. Well, i guess you deserve it 
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Shar Tegral
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Posted - 2007.07.05 11:11:00 -
[19]
Originally by: Kazzac Elentria
He doesn't...given that level of information one could find out, I'd actually imagine the info to be worth far more than the actually investment itself.
Hence why the bait seems so small
I think so as well. Especially if this is targeting newer players. This would be like paying Neilsen to have their ratings box hooked up to your tv. The advantages one could have by having a non-stop market survey ongoing.
And yes, we all know that the key can be changed with ease. That still doesn't stop the intrusive nature of API key interactions. CCP doesn't advised giving it out. Ergo that right there puts to bed all the "this is what it was designed to do" arguments. Heck, it should be a huge red warning label.
Disclosure of API Key Required.
Consumers Beware.
The Eve-Online forums may not have invented whining, but they sure have perfected it.
Shar Tegral> Well someone please say something quotable for this month!!!! |
Jon Asus
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Posted - 2007.07.05 11:15:00 -
[20]
I really wish this sort of business venture could work in Eve.
It wont be this one though.
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Gunthar West
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Posted - 2007.07.05 11:38:00 -
[21]
Edited by: Gunthar West on 05/07/2007 11:39:01
excuse me...I was reading this post...and wondered...What is an API key?
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Jon Asus
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Posted - 2007.07.05 11:45:00 -
[22]
http://myeve.eve-online.com/api/doc/
Ta da!
It's recently been implimented by CCP and I don't understand it totally yet.
It's a safe way for other people to access information about your account. Well, I think that's what it is at least :)
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Gunthar West
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Posted - 2007.07.05 11:49:00 -
[23]
read a lil on another thread...yep looks confusing and probably unwise to use.
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Bank Eve
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Posted - 2007.07.05 15:08:00 -
[24]
Originally by: Gunthar West
Edited by: Gunthar West on 05/07/2007 11:39:01
excuse me...I was reading this post...and wondered...What is an API key?
Eve has given all its players, and User ID / API Key. Which is a randomly generated password ( kinda )
This will give access to your character skills, money, stats, in a read only mode. for example EVE mon uses it.
There is no risk of having access to the acctual account its self. The arguments here is that the information that it gives out is a risk.
Its basicly like giving out your Username/Password, but only a read only version.
Most people here think that the skills somebody trains is apartently the most secret thing in the world. and must never be given out. While I understand there concern. I havnt heard ONE IDEA that will allow this bank to work with out it.
I'm still waiting. You guys are so quick to judge somebody, and dont even seem to read my posts. You see API Key, and start yelling its a scam scam scam.
So far i've repeated myself at least 2 or 3 times in this thread alone. If you as investors, would rather invest in a bank, that gives money out to any "player name" who asks for it. Then be my guest and i'll do that! But imho. This will be asking to be scammed. BIG time. And instead of a scam rate of 1 in 5 people. it will be 4 in 5 people.
But As investors, this idea will be in the hands of you. For the tenth time i've said this. Tell me how to run this bank. And i'll do it like that if you feel more comfortable THAT way.
I only suggested the API Key Idea, because its a way to VErify Players Skills/Account/Money Gaining Ability.
This is no different then any bank does in REAL LIFE. How many banks can you go up to, and ask for 100,000 dollars. and they hand u it, u sign ur name, and then walk away?
They all require background checks, and credit checks, where u work, etc. And then you are judged wether or not you can be trusted to be given a 100k loan or not.
Yes The Game doesnt Allow for Repo Men, to take things from a player. If a player does choose to just keep the cash, well then I have his Account ID. And he will be blacklisted. There for if he wanted to steal again from the bank he would have to Start a Entire New account Paying another 15 dollars a month. To get another 1 Million Isk...
If you where a scammer would you really go through that much work for 1 million isk?
I'm Still waiting on Idea's that will work with out the API Key......
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Bank Eve
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Posted - 2007.07.05 15:15:00 -
[25]
Originally by: Takahashi Arran
leaving aside all the trust issues why on earth would anyone want to invest in something which isn;t going to give dividends out for several months and which you have admitted is likely to be targeted by scammers and so have little dividends anyway :????
If you guys knew anything about Actually Stock. Dividends are rarely payed right away in a starting company. The board of directors, will normally take the Money made from the company and Re-Invest it to "grow" the company. So for a 10million dollar share... After profit is made, the money is re-invested and you share is now worth 20 Million isk. No you will get no Dividens, but if u sold your share it would be worth TWICE as much.
One the company is deemed to have enough money to function properly. The rest of the money will be paid out as dividends.
I was also thinking of instead of investing in Shares as this way. I was thinking maybe Givning investors a higher Interest Rate. for example 6% on there money. similar to a savings account. However This money will be Locked, and the player will be unable to withdraw his money for a Set amount of time. If he Does want to withdraw his money before a dead line, For example 2 Months. He will be penelized, and some of the interest he makes will be deducted.
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Shar Tegral
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Posted - 2007.07.05 15:27:00 -
[26]
Originally by: Bank Eve
You guys are so quick to judge somebody, and dont even seem to read my posts. You see API Key, and start yelling its a scam scam scam.
That is not quite true. We've yet to see anyone with any credibility start asking for API keys. You think it is the plan that we are debunking, not at all. It's a good plan for what it is worth. It requires a process that is hard to safely beta test for people who may want to explore your options. Furthermore you have no history of competence nor trust to substantiate your attempt at this endeavor. As I alluded to in Post #2: Who are you will be the primary pass/fail focal point. In truth, that point has been reached and your history/background fails for this large and intrusive a project. The fact that you don't address/acknowledge this part is confirmation that you are not the person for it.
The Eve-Online forums may not have invented whining, but they sure have perfected it.
Shar Tegral> Well someone please say something quotable for this month!!!! |
Kazzac Elentria
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Posted - 2007.07.05 15:30:00 -
[27]
Originally by: Shar Tegral
That is not quite true. We've yet to see anyone with any credibility start asking for API keys.
Give me your APIs keys everyone. I'll sell them to the highest bidder and divide the amounts among investors! |
Haakon Jarl
Caldari
direkte
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Posted - 2007.07.05 16:02:00 -
[28]
This is the worst atempt to scam ever. Anyone giving money to this individual deserves to get scammed.
In it for the state |
Bank Eve
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Posted - 2007.07.05 16:03:00 -
[29]
Originally by: Shar Tegral
Originally by: Bank Eve
You guys are so quick to judge somebody, and dont even seem to read my posts. You see API Key, and start yelling its a scam scam scam.
That is not quite true. We've yet to see anyone with any credibility start asking for API keys. You think it is the plan that we are debunking, not at all. It's a good plan for what it is worth. It requires a process that is hard to safely beta test for people who may want to explore your options. Furthermore you have no history of competence nor trust to substantiate your attempt at this endeavor. As I alluded to in Post #2: Who are you will be the primary pass/fail focal point. In truth, that point has been reached and your history/background fails for this large and intrusive a project. The fact that you don't address/acknowledge this part is confirmation that you are not the person for it.
I have mention That I Have ZERO history of doing anything like this before. I have no denied any of it.
I expect everyone to think that I am a scammer. However, I plan on Starting with a very small investment and working my way up. Is there any other way of doing it?
Would it be better, if i Just starting opening Savings/Loans Accounts right away and asking for investors later.
I'm at Point Zero, Yes... and I have an Idea... How to I bring this Idea into reality?
I thought users would be willing to make a small investment, even if it is 1 million isk. I just need investors that invest some sort of SMALL amount of isk. That way once the company starts to grow. I will be able to get people on my side and they can agree with me.
I thought that would be the best way of doing something like this. But Apartently I'm Wrong.
Any Idea's on how the right way of doing this is?
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Bank Eve
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Posted - 2007.07.05 16:10:00 -
[30]
Originally by: Haakon Jarl
This is the worst atempt to scam ever. Anyone giving money to this individual deserves to get scammed.
Thank you... it is the worst Attempt to scam ever...
Because its not a Scam.
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Bank Eve
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Posted - 2007.07.05 16:14:00 -
[31]
Originally by: Death Kill
Originally by: Bank Eve
Any Idea's on how the right way of doing this is?
Post with your main?
Klutch Is my Main... this is my Alt I created for the sol purpose of collecting loans and managing the isk.
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Bank Eve
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Posted - 2007.07.05 16:18:00 -
[32]
So if i got a bunch of my friends to simple post on this thread that he is creditable, etc. It would some how make you feel that this is not a scam? I can get people to post all day saying I'm trustworthy. But I really don't see a point.
None of my friends have done any type of these investment either. I'm Just trying to understand how Anyone Can get an investor money, With no History... Its like some sort of Horrible Catch 22.
AGAIN i'm not asking for a huge investment. I'm only asking for small small amounts of isk... I will put most of MY isk into this... and start small offering loans and such. Then when the investors see the value of the company increase. They will be able to back me up and say I'm a valid company. Other then that I dont see how else to do it.
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Shar Tegral
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Posted - 2007.07.05 16:21:00 -
[33]
Originally by: Bank Eve
Because its not a Scam.
I don't think it is a scam myself. But not being a scam does not imply it is a worthy endeavor nor does it mean that what you say you are doing is the only thing you are doing. As to starting small, you can't start small with people's API keys. Once you have it, you have all their current records until they change it. If they change it they get blacklisted or some such I presume. So, in essence, it is not that you can't be trusted with a small or medium sized fund. Even if it is your first attempt at running a business. What is the key here is that you are attempting to start a gold standard business that will pass judgment on people among several other possibilities. You are not the person, heck I don't know who is, to: a - start an Eve Credit Buruea, b - Have unreasonable access to huge amounts of market research data, c - program a secure system for preserving the sanctity of the keys and/or information. It is not that you aren't capable. It is that you have not proven any capability. And, for someone unproven and untested, it is allot to assume and/or grant. And let me repeat, I like the idea of it. Just that I don't think you've proven that you have the system nor the credibility to run/manage this yourself. Of course you could redesign your system.... nvm. Just had an idea that I think I'll run with.
The Eve-Online forums may not have invented whining, but they sure have perfected it.
Shar Tegral> Well someone please say something quotable for this month!!!! |
Bank Eve
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Posted - 2007.07.05 16:31:00 -
[34]
Originally by: Shar Tegral
Originally by: Bank Eve
Because its not a Scam.
I don't think it is a scam myself. But not being a scam does not imply it is a worthy endeavor nor does it mean that what you say you are doing is the only thing you are doing. As to starting small, you can't start small with people's API keys. Once you have it, you have all their current records until they change it. If they change it they get blacklisted or some such I presume. So, in essence, it is not that you can't be trusted with a small or medium sized fund. Even if it is your first attempt at running a business. What is the key here is that you are attempting to start a gold standard business that will pass judgment on people among several other possibilities. You are not the person, heck I don't know who is, to: a - start an Eve Credit Buruea, b - Have unreasonable access to huge amounts of market research data, c - program a secure system for preserving the sanctity of the keys and/or information. It is not that you aren't capable. It is that you have not proven any capability. And, for someone unproven and untested, it is allot to assume and/or grant. And let me repeat, I like the idea of it. Just that I don't think you've proven that you have the system nor the credibility to run/manage this yourself. Of course you could redesign your system.... nvm. Just had an idea that I think I'll run with.
Changing there API Keys will not get somebody Blacklisted. I only require the intial access to check there Skill Points, and Verifiy there UserID. After that Tehy can change it for all I care. And Credit Will be raised by them taking loans out.
the API Key Is only to verify there Account Info, and Determine Starting Credit.
Well if all you guys think API Key is out of the question. Then I Just dont think This system will work at all. Unless Since it will be more prone to scams.
Yes I agree that the Player will be taking a big Step into giving me his API Key... But At the same time im giving him a bunch of ISK.
The only other possible Way, might be if the player puts up collateral, Which almost makes the loan system impossible to work... Since putting something up in "escrow" prevents the player from using it.
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Shar Tegral
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Posted - 2007.07.05 16:34:00 -
[35]
Originally by: Shar tegral
Of course you could redesign your system.... nvm. Just had an idea that I think I'll run with.
Lending without collateral is dead in Eve. Sad but true. Api Key could be used as a form of collateral, yes. And I don't think you should be completely dissuaded from the idea. I think you should start with another idea, similar but different, to help build the reputation you are lacking.
Perhaps a chat sometime to go over my idea. I think it'll be something a bit smaller but can be much much more effective. Heck it might even be more profitable.
The Eve-Online forums may not have invented whining, but they sure have perfected it.
Shar Tegral> Well someone please say something quotable for this month!!!! |
Bank Eve
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Posted - 2007.07.05 16:45:00 -
[36]
Msg me on Klutch And we can talk some more, I would love to hear ur idea.
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bjone6
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Posted - 2007.07.05 19:17:00 -
[37]
I don't think it's a scam either; however, it's reminiscent(sp?) to the Eve Investment Bank. Once you get 700 billion ISK, you will need more help from people and you increase the probability of fraud.
I would just join a good corporation that can give 1mil to 5 mil ISK to newbs and then let them pay you back.
Good luck though.
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Mrki Misa
Minmatar
Black Pearl Cartel
Coalition of Carebear Killers
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Posted - 2007.07.07 09:49:00 -
[38]
Very interesting idea.My oppinion is that this is possible and can be done.
I don't think that you are scamer or have something like that on your mind.
I agree about API key and I see that your are "invest" time and energy into this "concept".
By the way,I am very interested to become investor but first I "must" talk with my corp-mates to see what they have to say.
Cheers! |
Zell
Caldari
The Black Raptors
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Posted - 2007.07.07 12:03:00 -
[39]
Hi R0meo
A coward dies a thousand times, the brave die just once.. |
Daallie
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Posted - 2007.07.08 00:06:00 -
[40]
I believe this to be a brilliant idea and am willing to invest in it. It seems incredibly thought out. Please contact me in game so we can talk about the risks and possible solutions to scams that will likely occur.
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Dylatar
Gallente
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Posted - 2007.07.09 14:00:00 -
[41]
Well I think it would be a nice idea in the basics.
But like most before me said here, chances are high that it wouldn't work.
I have another idea in mind, but that would need game mechanics that aren't given (yet) to work.
Someone who want to take a loan usually is somebody who don't have the money he needs. But maybe he have some goods or ships.
So it would be nice if it would be possible to impund a ship for e.g. as collateral. Loan could be given in exchange for material goods - and these goods can be kept if the loan is not paid back.
Just my 2 cents ...
But that isn't an option yet, that would need game emchanics we don't have. Maybe a possible workaround would be an additional loan contract for the items to impund. But thats still no guarantee that way.
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Ulecese
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Posted - 2007.07.09 23:18:00 -
[42]
99% of the Eve community do not read this section of the forum, and thus will never use the bank.
99% of those that do read this forum and want to setup an 'account' with your bank will not give you their API key.
99% of those that do give you the API key will have very little market activity logs from which I assume their credit score will be worth a 1m isk loan only.
99% of those who get a loan will only do so to scam the bank out of the loan.
Odds are this bank will never succeed.
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Terminus adacai
Caldari
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Posted - 2007.07.10 03:26:00 -
[43]
Originally by: Zell
Hi R0meo
LOL all the way to the BANK...
The typos and language are an exact mirror of Romeo's prose, or lack thereof. I was thinking the exact same thing while reading the OP.
Opinions reflected on my posts are just that, my opinions. They do not reflect views held by my corp or alliance. |
Bank Eve
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Posted - 2007.07.13 17:11:00 -
[44]
Originally by: Terminus adacai
Originally by: Zell
Hi R0meo
LOL all the way to the BANK...
The typos and language are an exact mirror of Romeo's prose, or lack thereof. I was thinking the exact same thing while reading the OP.
Um, What?
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MinerNewbie
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Posted - 2007.07.13 19:55:00 -
[45]
Anyways,
It looks like I have a few interested investors in this Idea.
I'm currently finishing up some things. Then the bank will be open for business.
Instead of Using "Bank Eve" Character I will more then likely be using "minernewbie" Since this is my mining alt that I'm on with almost 24/7.
I will start a new post on account creation/starting rates and just some general howtos.
Once that post is up, I will be accept investors money. Which I will return in the forum of corp shares for "Bank of Eve" corp.
Savings Accounts I decided WILL have a limit initial limit. That more then likely be lifted after some time and the cash flow "stabilizes"
I'll explain the inner works in greater detail in my new post.
Stay Tuned!
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Terminus adacai
Caldari
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Posted - 2007.07.14 01:07:00 -
[46]
I can hardly wait.....
Opinions reflected on my posts are just that, my opinions. They do not reflect views held by my corp or alliance. |
Kazzac Elentria
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Posted - 2007.07.14 02:42:00 -
[47]
It's like thunderdome around here.
Two banks enter
One bank leaves |
Ricdic
Caldari
Corporate Research And Production Pty Ltd
Zzz
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Posted - 2007.07.14 06:34:00 -
[48]
Originally by: Kazzac Elentria
It's like thunderdome around here.
Two banks enter
One bank leaves
Which one will it be !!! 
Need Empire Research Slots. Click here |
Lord WarATron
Amarr
Black Nova Corp
Band of Brothers
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Posted - 2007.07.14 08:26:00 -
[49]
Originally by: Kazzac Elentria
It's like thunderdome around here.
Two banks enter
One bank leaves
Lets save everyone the Hassle. Just wire your isk diretly to me and I will come around to your house personally to laugh at you 
Real banks do this all the time!
But it is possible to setup a serious bank, but it will require serious investment from the OP - How much are you going to risk Mr OP?
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Billion Isk Mission |
Klasanov
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Posted - 2007.07.14 16:07:00 -
[50]
What the hell is an API key?
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Klasanov
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Posted - 2007.07.14 16:19:00 -
[51]
Quote:
Yes I agree that the Player will be taking a big Step into giving me his API Key... But At the same time im giving him a bunch of ISK.
The only other possible Way, might be if the player puts up collateral, Which almost makes the loan system impossible to work... Since putting something up in "escrow" prevents the player from using it.
I could invest in stocks with comparable returns, without giving some weird API key (what the hell is that? Sorry. never heard of it) and receive "lots of isk" from someone as you claim.
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Shar Tegral
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Posted - 2007.07.14 22:23:00 -
[52]
Originally by: Klasanov
I could invest in stocks with comparable returns, without giving some weird API key (what the hell is that? Sorry. never heard of it) and receive "lots of isk" from someone as you claim.
I've brought Klas back up to speed. No need to point out to him what has changed in Eve since he last played.
Old Corpies returning to eve 4tw!
Quote:
The Eve-Online forums may not have invented whining, but they sure have perfected it.
Misanthropy: It's not just for Rednecks! |
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