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Topics - hdsouza

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Investors - LC / Investing with MyConstant
« on: January 06, 2020, 11:20:52 AM »
I apologize if this is an incorrect place to post  this, but I did not see a section for MyConstant or misc investment.

Not sure if anyone is investing in MyConstant or is aware of it.
It is a P2P lending platform somewhat similar to lending club, that allows you to set your own interest and terms on crypto loans.
Unlike LC though, it does not have bad Notes/Loans. This is from my personal experience from being with them since September.
So all of a sudden, I no longer need to spend hours (or write/run my php scripts) to choose loans based on  credit history, location, job, home, etc etc etc.
Remember all the nice LC filters .... which would still get bad notes.

When I initially signed up, the Advertisement mentioned that I would receive $1000 deposited in my account which I could use for just a month.
After I signed my, I never received it and believed it was a scam.
Support mentioned there was technicality on the way I signed up, but then turned around and gave me $10 free and clear.

Curiosity got the better of me and I ventured into the site.
In the site we can invest funds two ways (I do not use the crypto staking as I do not have crypto currency ):
1) Flex: I get 5% and can withdraw the money anytime
2) Pro: Its a dashboard that allows me to set:
a) Amount of money  I want to invest
b) Interest rate: The average rate is currently 9%
c) Length of loan: I can specify a term anyway from 30 days to 360 days or even custom.

Interest rates:
The interest rate is based on supply and demand. In the Dashboard under "order book" you will see the investing orders and borrowing orders.
The investing orders are orders that investors have added. Its important to note the interest rate and term.
So when I add an order under "Invest" it will show up under "Investing orders".
Also be aware that the initial capital (I believe) is returned only at the end of the term period, unlike a normal loan, which contains principal and interest.
So there is always the though of "should I invest for a longer term and loose out on the reinvestment " or "go long term".
I usually break my investment into blocks of $100 and invest in varied "terms" of 30, 60, 90, 120. I have gone as far as 360 at times.

Under "Trade history" you can see history in the last 24 hours. That will give you a gauge of the Interest rate and term you can probably get.
It was 10% a few months ago and its about 9% now.

There are no fees to the investors, when you invest.
There are no fees when you add money to your account.
There are no fees when you withdraw money from your account.
This is from my personal experience as an investor and I have done all three transactions.

1) I have granular control on how long I want the money invested, which could be as short at 30 days.
2) I do not need to filter borrowers for loans anymore unlike LC where a quarter of loans were late or default. All my past investments are successfully repaid. 14 loans repaid so far ranging from $10 - $500

Its important to note that the money in the PRO account is NOT FDIC insured.

Site: or you can use my referral link

Again I apologize if this is an incorrect place to post  this.

Investors - LC / Errors while accessing Note details on several notes
« on: July 10, 2019, 10:46:17 PM »
Since Monday I have been noticing several Notes with errors when accessing the "original listing" on several notes.
This is just one example: and then Click on "Original listing" at the top right corner.. out pops the error.. "An Error Has Occurred. Your Lending Club account has encountered an error. We apologize for the inconvenience"

I am seeing several Notes with errors. Its almost like 5 in every 7 notes.
Is anyone else seeing the same problem?

Investors - LC / Assign a note to a portfolio via API
« on: October 23, 2018, 07:13:45 PM »

I need to be able to programmatically assign a note to a portfolio.
I have looked through the API resource  ( and do not see a way  to assign/move notes.

Any ideas?

I have noticed this several times, So I though I would get details.
On August 10. I wanted to sell a note which was CURRENT, but I could not as it was "Processing payment"

Today (3 days later) I noticed that the same note is in the grace period.

I am concerned now. What kind of payment was the system processing on 8/10 as no payment was ever received?
Am I reading this incorrectly or is there a problem with LC?

Investors - LC / Cannot file New Notes anymore
« on: June 30, 2018, 03:32:48 PM »
In the  newly redesigned platform, when I purchase notes and try to assign them to specific portfolio, I cannot find them.
So to demonstrate , when I click on the 8 as in the attached screenshot, it should have brought up the 8 notes (that does not belong to any portfolio), but instead it brings up the DETAILS page (which shows ALL the notes in the account).
Is any one else seeing the same problem?

Investors - LC / Investing with Bondora
« on: January 19, 2018, 09:04:03 AM »
Moderators: I apologize if Iam posting in the incorrect part of the forum, although I did not see a placeholder for Bondara. (Maybe it can be moved to a different part of the forum.. somewhere more relevant)

As the LC market slowly dries up has any one ventured into ?
They appear to be similar to LC in having a primary and secondary market, but its out of the US .

I had opened a new account and had done some leg work but have not invested yet.
Here are some responses I received from Bondora support:
1) Is my account secured?
1) Please elaborate.

2) Which Country is Bondora based in?
2) Bondora is a leading peer-to-peer platform for investing in unsecured European personal loans, based in Tallinn, Estonia. We are currently issuing loans 3 countries such as Estonia, Finland and Spain, but we have investors from all over the world, mainly from Europe. For more information, please refer to following link -

3) What is the minimum NOTE value?
3) Minimum note is 1.
This year we updated our bid allocation system. With a new system there is no option to set minimum bid size tries to make a bid, but the system is now way more equal. Please kindly refer to our recent blog article on following link for more information -

4) For the secondary market , can I setup filters based on country, etc?
4) Yes - there are lots of filters available, including country.

5) Can the loan data in the secondary market available for download as an CSV file?
5) Sure, all transaction ledgers and data on issued loans that is not covered by the data protection laws public are available and be downloaded via our public statistics and data export pages. It also includes Secondary Market transactions history.

6) Is API access available? If so where can I see my API key and documentation.
6) Thank you for the interest! Yes, we do have an API available. With the API you can choose the criteria of your preference for your investments. The API is accessible on live site at with all its documentation.

7) Are there any Fees? What are DCA fees?
7) There are no fees for investing in the primary or secondary markets. A small collection and recovery fee is deducted from the cash flows of delinquent loans - this is to cover the debt servicing costs.

Looks like we may have another competitor
Here is the original article:

Its not open to investors yet although their about page maybe looking for investors.

Foliofn - LC / Buy notes on the secondary market with API
« on: November 26, 2017, 10:28:02 AM »
If I try to buy a NOTE from the SECONDARY market using the PHP script below, I get "Internal Server Error 1510609349610".

I know that My ID and API Key are correct, because I can use them and successfully get the balance and  Notes I currently own, using the same script.
For example here is a note I was trying to buy:

Any ideas. Please help

Code: [Select]
$authkey "GVsZuDKATxxxxxxxxxxxxxxxxxx";  

/*** set false to receive only datas ***/

/*** this part for getting balance ***/
$balance get_balance($investor_id$authkey);

/*** this part for getting notes owned ***/
$notes get_notes($investor_id$authkey);

/*** this part for buying notes ***/
$buy buy_notes($investor_id$authkey);

$balance_url "$investor_id/availablecash";
// to get balance call this
return call_curl($balance_url$authkey);

$notes_url "$investor_id/notes";
// to get notes call this
return call_curl($notes_url$authkey);

$buy_notes_url "$investor_id/trades/buy";
// you can add multiple array in notes, mean multiple notes.
$note[] = array("loanId" => "80600463""orderId" => "117950693""noteID" => "130430010""bidPrice" => "14.29");
//$note[] = array("loanId" => "", "orderId" => "", "noteID" => "", "bidPrice" => "");
$datas = array("aid" => "some_id""notes" => $note);
$buy_notes call_curl($buy_notes_url$authkeyjson_encode($datas));
$notes json_decode($notes['data']);

call_curl($url$authkey$post "0"){
$ch curl_init();
curl_setopt $chCURLOPT_USERAGENT"Mozilla/5.0 (Windows; U; Windows NT 5.1; pl; rv:1.9) Gecko/2008052906 Firefox/3.0" );
$post != "0"){
curl_setopt $chCURLOPT_AUTOREFERERtrue );
curl_setopt $chCURLOPT_FOLLOWLOCATIONtrue );
$headers = array();
$headers[] = "Authorization: $authkey";
$server_output curl_exec ($ch);
$info curl_getinfo($ch);
curl_close ($ch);
     return array(
"data" => $server_output"response" => $info);

Investors - LC / Get Note details
« on: November 25, 2017, 12:26:44 PM »
Am I right to assume that we cannot use the filters  defined at and API<version>/loans/listing to get notes of the SECONDRY market?

If so, is there a different API call to get NOTE DETAILS of the ORIGINAL Note listing? I notice that the FILTERS can be found on the ORIGINAL Note  (for example


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