WEBMONEY Credit Exchange. Webmoney online loans exchange. Is it possible to earn? Credit exchanges without investment take loan

23.11.2020

The credit exchanges on the Internet are not new projects, they have already launched them more than once and they brought good profits.

Recently, the network has a unique P2P lending system, in which it is possible to invest any amount of money without too much effort and is guaranteed to get a refund.

Credex loans exchange is not similar to his analogues. With the help of this system, thousands of people have opened investment portfolios and began to receive money.

Despite the wide functionality of this system, work with her extremely simple. It is possible to restrict ourselves to passive investments, as they are also profitable.

The project is closed!

Favorable deposits in Credex

Let's start with the fact that all newcomers give 70 bonus dollars. They can be investing, and 50% -70% of profits will become yours. To get from the start, how to use money, let's explain everything on the example:

The exchange scheme of the exchange is extremely simple, some money takes debt, their other issues. After registration, you will see a small amount on your balance sheet. It is not difficult to let it in turnover, go to the "Lender" section and create a portfolio:

Invest everything you have on the bonus balance, you still do not use any other money. After opening the portfolio, on the same page you will observe the profit.

It is accrued daily, but only 24 hours after investing:

CRD points are needed to improve full-term portfolios, this is a stable and reliable source of profit.. Also, you can spend money on briefcases with limited profitability or on a credit line of trust.

The percentage of profitability is fixed everywhere, to invest one of the 5 tariffs:

It is convenient that if debt payment fails, the investor receives compensation from the reserve, and the CREDEX organizers then come up with an unscrupulous user.

In general, you should not think about anything at all, just do the contribution and wait until the amount increases. Separately, I would like to say about the stock exchange, where potential borrowers create applications:

Conditions can be very attractive, but it is better not to contact such proposals. The fact is that the exchange is created to issue loans acquaintances, it can simply throw on it.

The administration is not responsible for loans provided through the stock exchange, people invest at their own risk.

Invite friends and earn in Credex

The affiliate program has a very profitable site, since it is charged 20% of the deductions of the first level referrals. There is also a status system that allows you to increase the number of partner levels:

In addition to these incentives, you can count on different types of bonuses. They receive their only active partners. It is necessary to open at least 4 levels to obtain an additional 3% of the deductions in the form of an indirect bonus:

To obtain good status A partner will have to invite many referrals. For example, to access the MANAGER BLACK level (which is necessary to obtain an indirect bonus), you will need to attract a minimum of 20 active users:

The status system is designed for each of the prospects for growth. The more active partner, the big deductions he gets, plus additional bonuses.

Exchange Exchanges are an online platform where different citizens are collected in order to find creditors or borrowers. The process of issuing loans on such stock exchanges is organized at a high level.

To get a loan exchange loan, the borrower in the same way as when designing a loan in a bank should provide complete information regarding its personal data, place of work, income level, etc. The list of documents required to receive a loan on the Internet exchange is not much different from the bank list. All documents must be scanned and send them to the creditor who is ready to provide you with a certain amount. Some lenders may additionally request a 2-NDFL certificate, a driver's license, a passport and an extract from credit history.

How to issue a profitable loan on the loan stock exchange?

Credit Internet Exchange is, of course, not a bank, which means that the borrower and his documents may not be, but the borrower must be interested in trusted to him. The level of confidence is reflected in the rating of a potential borrower. The higher your credit rating, the lower the interest rate will be. The minimum interest rate, which can be borrowed on the loan exchange, starts from 15%, and those borrowers who do not want to provide additional documents can get a loan at 100% or more.

After the lender and the borrower agree on the amount of the loan, the conditions of its repayment, the amount of interest rate and the term of credit, between the participants of the credit transaction concludes a contract. After signing a bilateral agreement, the lender lists funds to the borrower's account.

The exchange of loans in the near future can be an excellent alternative to bank lending, especially since the requirements for borrowers in Internet creditors are somewhat "softer" than the requirements that are placed on their customers bankers.

The disadvantage of this type of lending is quite large overpayment and high risk of Internet fraud (personal data of the borrower and money can be stolen before reaching the recipient).

Each, who at least once in his life had to face a loan, can imagine how profitable this process is for creditors banks. Regardless of interest rates, they always turn out to be winning. Of course, to open your own bank and distribute loans to afford maybe not everyone. And institutions offering "money to salaries" often cause distrust in potential borrowers. But one of the most popular WebMoney payment systems is easily solving this problem.

With it, you can make money on lending today not only banks, but also ordinary users having an electronic wallet. And in the account it is not necessary to lie a large amount of money - sometimes loans on this service are limited only by a pair of dozens of dollars. Of course, they are paid in a short time. And with percent.

In order to provide users with the opportunity to earn, giving money in debt and at interest, Webmoney developers have come up with such a service as "stock exchanges". Here, anyone can become an investor, choosing a borrower from among those users who filed a loan.

WebMoney loan exchangeworks as follows:

First of all, the lender creates its electronic wallet and draws out certificate is not lower than personal.
Further on the wallet you need to put any amount of money. It is clear that what she is more, the higher the earnings, but it is possible to start with small investments.
Then follows the identification on the Exchange "Credit.Webmoney.ru"
When the formalities are finished, the investor can start looking for a future borrower in the "Credit Application" section. Among the personal data, borrowers indicate the amount of the desired loan, its timing and interest rate (there is a possibility of sorting by specified parameters). Here you can also familiarize yourself with their credit history. Of course, it is unlikely that someone wants to give money to a person who has already had problems with payments.
If the lender is ready to finance a borrower, the transaction is completed by transferring money.
Now it remains only to wait for the return of money on the specified time frame and with interest.

The described procedure concerns the loan, which is issued by one person to another. But on the stock exchange there is another concept as " collective loans"When several creditors collect the required amount. As they say, with the world on the thread. In this case, the user can make, for example, 1000 dollars from the required 5000 and further wait for others to respond to this application. As soon as all 5000 are collected, the loan period will begin to count.

Before you decide to make money on the exchange of WebMoney loans, you should think 100 times and weigh everything well. As - in no way, the issuance of loans is a risky business. And the payment system itself does not insure anyone from these risks! Allegedly, it is necessary to watch who you trust your own money, carefully read information about the borrower and not leading to too "appetizing" suggestions.

In order not to have had each time, praising on a fraudster, bite elbows, you need to follow simple rules:

Yes - users with a good reputation!The best indicator that borne borrow is a good credit history. If it sees from it that the user has repeatedly taken a loan and always paid it on time, the risk to be deceived significantly decreases, but it is not completely excluded ( in my practice of issuing loans there was a case when a user with a personal certificate more than three months carefully took and gave loans, after which, having gained a total of $ 10,000 from different lenders, lost). If the credit history of the borrower is still empty, then the seriousness of intentions can be checked on the certificate, TL (Trust Level) and BL (Business Level). The first indicator should be at least a personal, and the second and third - not lower than 50 and 100, respectively.
Trust but verify!Now, simply by knocking down the name and surname in any search engine, you can find out whether one or another is a fraudster. In addition, on the official website of the migration service there is information about stolen or lost passports that could be used to create an account on WebMoney.
Do not greed!To the amounts more than 1000 dollars (even more so, if there is nothing intelligible in the "goal" column) and too high percentages should be suspicious. A person who really wants to conclude a similar deal, is unlikely to be looking for lenders on the Internet.

We count the profits

After reading the previous paragraph, newcomers will surely become a matter: is it possible at all earnings on credit issuanceWebMoney.? Answer: Yes, and yes again yes! Provided that all of the above rules are observed ...

The incomplete plus of the stock exchange is that anyone who wants the creditor can act, and this service does not require any serious investments. However, it may happen that at first will have to face unscrupulous users. Nevertheless, such borrowers will appear on time. Their interest rates are usually about 1-1.5% per day. Per month with one issued loan can be obtained up to 40%. So in some financial losses you can be confident and in profit.

Honest borrowers, with whom the investor had already encountered, can return to the stock exchange again. Therefore, it is advisable to form a kind of customer base to subsequently be sure that the debt will be returned.

Experienced WebMoney Exchange lenders argue that in this way it is quite realistic to earn from $ 200-300 per month. Although they are stumbled on scammers - after all, the system in this plan is still imperfect. However, who does not risk, he does not drink champagne! The phrase is old as the world, but still relevant ...

Investing in projects covered on this blog are conjugate with certain risks, up to the complete loss of invested funds. The author is not responsible for the actions of the companies / projects described on the blog. Blog materials are solely informational in nature and do not call for any actions.

Credit exchanges function in the framework of the payment systems in the most popular in RuNet. Using the Exchange, the participants of the system get the opportunity to borrow cryptocurrency under the percentage. One of the users acts as a borrower, and the other in the role of the lender. The guarantees of the return upon non-fulfillment of obligations are absent as such. The only measure that is applied against unscrupulous participants is to block the account. Despite the peculiar rules of the game, the credit exchange is considered one of the most promising places to make money on the network.

Credit Exchange online

The most popular Runet credit exchanges are considered to be Webmoney and Perfect Money. Principles of operation on both sites are about the same. But it is still worth paying attention to some differences. Perfect Money functions under anonymity conditions, so borrowers are recommended to choose more carefully. The risk will forever part with the funds given to the debt, even on very favorable conditions, too great. The key to future success and prosperity on PM is considered to know the maximum number of wallets of decent people who are accustomed to fulfill the obligations in time.

WEBMONEY Credit Exchange

WebMoney's credit exchange is available to all participants in the system, which have initial and higher type certificates. In front of such users, the possibilities of providing and obtaining loans in cryptocurrency WMZ are opening. Owners of electronic wallets who have free funds, can make an issuance of a certain percentage and create, thus, another source of income.

WebMoney's credit exchange allows not only to issue, but also make loans to their name. So, in case of acute need for additional tools, users of the system are given the opportunity to obtain the amount requiring the amount on the refund facilities in advanced periods.

PERFECT MONEY Credit Exchange

Lenders who are just starting to work on Perfect Mani, it is recommended to learn small amounts and try to work exclusively with proven accounts. There are a number of factors to which it is recommended to pay attention before proceeding with the design of the next:

Find out the time of your account. From 6 to 12 months - this is something. But the more - the better.
The high rating is also an indicative value, but with a minimum existence of the account, the risk of artificial cheating increases.
Account statistics will help make a final decision. Find out how many loans the user has at the moment, see what the ratio of returned and non-refundable loans.
Verification and these users should also be in order.

Why do you need a credit exchange?

WEBMONEY TRANSFER Credit Service is a fully automated resource for issuing and receiving loans in real time. Why need a WebMoney credit exchange can be found based on its functional. The advantages of the interface can be attributed to the simplicity and convenience of posting applications and adoption of proposals. For their work, the webmoney's credit exchange does not require a commission, which is also quite profitable. If necessary, the borrower can use services called "Collective Credit", when the desired amount is not issued by one, but by several creditors. In addition, the WebMoney Transfer credit exchange allows you to independently earn money on credit.

Credit Exchange - Technical Details

Since the interface, the exchange is fully automated, the risks of the error are minimal. In response to transferred debt obligations, the loan is translated automatically. However, for successful work in the system, it is necessary to carefully analyze the data of the available applicants for a loan. These include guarantees, the credit history of the borrower, passport details, the purpose of the loan and attestation data. This approach allows you to protect the creditor and reduce the risks of non-return. The credit exchange (technical details) is organized thoughtfully and functionally. To create applications for a loan and loan provision, different wallets are used (C and D, respectively).

The procedure for obtaining a loan

In order to get a loan in webMoney system TRANSFER must be logged in to its C-type wallet in the WM Keeper system and form a loan application. The procedure for obtaining a loan: you need to fill out the form with the name "Credit application", in which two amounts are specified - the amount to receive and the amount to return. Also in the application form you need to specify the return period, warranty, the purpose of obtaining a loan and the Z-type wallet number to enroll credit funds. The finished application is sent to the "List of loan applications" and expects its creditor there, which will fully arrange its conditions.

Webmoney confidence limits

WEBMONEY TRANSFER confidence limits in the WebMoney Transfer system are needed to establish a trust relationship between the transaction participants - the lender and the borrower. Opens the credibility limit is always a lender, using the "Correspondent" tab for this in his wallet. Open borrower limit trust automatically becomes an offer. The offer is sent to the borrower through the arbitration service, after which the borrower can take a limit with favorable conditions for it or reject it. WEBMONEY WEBMONE LIMITS SUPPORTED LIMITS WEBMONE SUBSCRIBE LIMITS IN THE DETAILS TRANSFER "I trust me - trust limits."

Definition of the borrower

A detailed assessment of the borrower allows you to protect yourself from the non-return of credit funds. For this, webmoney's credit exchange offers a number of reliable and efficient tools. The following characteristics help simplify the definition of the borrower and find a conscientious borrower:

The level of the certificate starts from the "personal". This simplifies the debt recovery process;
Availability positive feedback about the borrower from famous lenders;
Lack of claims and WMID prevention claims;
Sufficient age of the certificate (preferably not under 1 year);
Reliable passport data and email address.

Tip from Compare.ru:Work on credit exchanges can really bring profits. Newcomers are recommended to start a business in the webmoney system. The high level of security has never harmed anyone. If on the site Perfect Mani, a person can simply wave a hand on the obligations and sacrifice the blocked account, then this practice is unacceptable on WM. The loss of the account in the country's leading payment system is fraught with serious problems in the business, which is associated with the work or provision of services on the network. Register a repeated WM account when blocking the first WMID is almost impossible.

We studied the conditions for borrowers and investors on the three best credit exchanges of Russia and now share your experience in you.

Over 30% of Russians enjoy loans, and IFIs have loans, in a bank, on a special exchange of the Internet. Popularity in Russia conquers P2P lending (deciphered as People to People), excluding the participation of an intermediary upon receipt of the loan. Not every person understands what the exchange of loans is that sometimes it is more profitable, and what is the difference between MFIs, bank loans and P2P lending. Let's try to figure out these questions and understand what the difference.

What is it and what is different from MFIs and banks?

Credit proposals may differ in terms, interest rates and other nuances. Each organization has its own requirements and conditions, however, allocate main features.

Features of MFI

Features of obtaining a loan in MFIs:

The activities of microfinance organizations are regulated by FZ No. 151 "On Microfinance Activities and Microfinance Organizations". According to this law, each MFI is registered in a special register for legalization. Check if there is a company in the registry on the site Central Bank: www.cbr.ru. Without registration, issues cannot be issued.
Credit amount for issuing up to 1 million rubles.
Most loans are issued for a short time (30 days-45 days) and under a high percentage (up to 1.5% per day).
The loan is issued both physical and legal (IP, small business) to persons.
The efficiency of obtaining a loan.

Bank loan

Features of obtaining a loan in a bank:

Banks are checked and regulated by the Bank of Russia, which gives them licenses and recall them in violations.
Issue amounts to 5 million rubles.
The loan is issued for a period of time: 6 months - 5 years under a relatively low percentage (up to 25% per year).
The bank works both with physical and legal entities.
The period of consideration of applications for a loan is delayed up to several months with complex checks.

P2P lending

The credit from the investor on the P2P platform is distinguishes the following:

P2P platform is not regulated by law.
Credit for small (about 1000 rubles) and large sums (1 million rubles).
The loan exchange works mainly with citizens, and not with organizations.

The differences in the structures are shown in the table below.

	Bank	MFU	Credit Exchange
Method for making money	Office, remotely	Office, remotely	Online, personal meeting
The speed of receipt	1 day - 1 month	1 hour - 3 days	1 hour - 14 days
Working hours	From 9 to 18 on weekdays	Round the clock	Round the clock
Complexity	Careful checks are required, providing references from work.	Only passport is required	Passport + Fast Check
Interest rate	up to 30% per year	up to 500% per year	up to 500% per year
Insurance	is imposed	not required	not required
Sum	not less than 30 000 rubles	from 500 to 100 000 rubles	from 500 to 1,000,000 rubles

The table shows the averaged information, depending on the site or organization into which the conditions occur, the conditions will change.

Advantages and disadvantages of P2P lending for borrowers

Lending from private investors on stock exchanges there are positive and negative sides.

Benefits:

you can get large amounts in debt (from 100,000 rubles);
long lending time (extradition for 6-36 months is quite frequent practice);
loyal and flexible conditions that can be discussed and changed if necessary;
a passport is required and the minimum package of additional documents;
no deposit is required;
rapid money getting;
payment in cash or on the card.

Crediting P2P is not devastable:

the interest rate is higher than in banks, but lower than in MFIs;
often, the borrower expects careful checks (investors are watching credit history, assets, business, just talk).

How does the market of private loans in Russia, which law is regulated

For March 2019 there is no law that regulates such stockies, the rules establishes the site itself. At the legislative level, a project is being prepared for regulating the P2P market.

The study of such services is periodically conducted by the Central Bank. Service https://www.loanberry.ru/, for example, defits itself independently.

The largest platform on the Russian market

Zaynigo (investment is perhaps at least 20,000 rubles, profits up to 28% per year. Of the disadvantages of the service: opacity, it is impossible to understand how many delay and non-returns);
Lonbury, the reference to which was already given above (the minimum amount of investments - 1000, the income amount was disguised, but the rating displays the yield);
Bezbanka (minimum investment amount - 3000, processes transparency: Releases are demonstrated, as well as non-returns).

General conditions P2P loans

The exact conditions provide the P2P-site themselves. By choosing the site you need to carefully read the conditions before starting to act. Examples of requirements that are most common are given below.

Requirements for borrowers

Achievement of 18 years.
The presence of constant income.
Positive credit history.

Interest and timing

Interest on stock exchanges from 10 to 500% per year. The period of using a loan from 5 days to 1 year. The guarantor often helps to increase.

Responsibility of the borrower

Each R2P platform holds the rating system. The rating determines how much the user receives for what time. If there is a delay, the user rating is down, the debt is accumulated from it, the loans for the period of delay to receive is not possible. Some services give the business to collectors, others solve the problem through the court.

Documents for obtaining a loan

The number of documents for obtaining a loan is minimal. It is often required only a passport, a reduction, passport or INN is added to increase the degree of confidence. No one requires a certificate of income.

What can you take money

Options mass, just some of them:

Consumer needs (for example, purchasing a TV).
Acquisition of share in business.
Refinancing.

How to become an investor, the best stock exchanges for investors, risks, guarantees, subtleties

Register on the P2P-site you like (popular sites are given above).
Give the necessary information about yourself, go through check.
Make an attachment and choose who will give a loan. Translate P2P loans without delay, this will allow you to get positive points in the rating.

Credit Exchange Conditions Carefully read before registering and starting investment. No credit exchanges guarantees 100% that invested money will be returned. Nevertheless, they help return debts when delay: attract collectors or turn through the court.

Risks with such an investment a lot:

unscrupiance of borrowers;
possible leakage of personal data of the investor;
the complete lack of legislative regulation on one side and risks associated with its ambiguous appearance in a completely unpredictable form - on the other.

Summarizing

Pros and cons lending P2P are listed above. If you decide to take advantage, it is to start with small amounts and issue loans over 5,000 rubles only to proven borrowers with a good credit history and ranking on the site. In case of overdue, loans exchange will offer return options. Collectors are ineffective, and often illegal, measure of exposure, while the trial will allow you to quickly return the money.