I noticed that a lot of my friends (and also myself) often end up with funds that they can't access in a timely manner because of the excessive clearing delays that banks have. There's also the more common case: you get paid in N days but you need to access your money NOW (ideally from within Paypal, though sometimes also in the reverse direction.) After searching Google there doesn't seem to be any solid competition doing Paypal loans. Seriously, what the fuck. Isn't there huge potential here for the right person to make money doing this? I mean think about it: with an electronic cash system like Paypal's account credit you can transfer funds to anyone instantly. This would be a much better way to move money than waiting for bank transfers or shuffling money between credit cards (the same could also be said of cryptocurrencies.) You would also be making money from volume + high interest rates (which are easier to hide with micro-loans since the fees look comparatively smaller.) Best of all: checkout the bullshit competition for these terms: https://kwfinder.com/analyzer/kw?kw=paypal+loans&location=&language= Now apply this idea to BHW. Notice that some members like me have premium accounts (meaning that they paid for it.) Theoretically, you could do micro-loans to such people with greatly reduced risk if the trades were made somewhat transparent by using their account value as the loan collateral. If they fail to repay the loan by the agreed upon date: their account is banned from BHW. Simple. No need to get more technical than that to start with. A no bullshit approach should get you customers. Speaking of customers: if anyone wants to start this consider me your first customer because I desperately need around $100 USD in my Paypal fast Thoughts?