Do you think I can approach https://btcjam.com and others like that with BITUSD? Can BITUSD support it?

That is very interesting. I wonder how they are able to issue loans everywhere like that (legally). I'll have to do more research when I have time.
If we can figure that out we could compete with them pretty easily.

https://btcjam.com/stats

Do you mean it shouldnt be a separate software? I would like to know more about why it would be better.

The main reason is creating a DAC like (let's call it) Bitshares Lend would require a huge amount of resources. It would also split the community because the bitUSD from Bitshares would compete with the bitUSD from Bitshares Lend. So not only would their bitAssets compete but also they would compete for resources. At least that is one theory. Maybe it would be a good idea to keep them separate.

That is mainly where I come from.  I am in Canada and there is no way for me to get into it.

To make it international, there could be an internal credit score rating. Dont know how that would work though.

Yea I would love to diversify my consumer debt across multiple countries. If one country gets hit harder than other countries I won't be effected as much. I don't think creating an internal credit score rating would be the biggest of our worries because most countries have a good way of determining credit worthiness and all of the methods are pretty similar.

I think a bigger problem is that lending laws are different in every country (not only that but they can be different in different regions of the country). For example lending club is still trying to become legal in every state. There are p2p lending companies establishing themselves in many countries. The good news is we can walk in their foot steps.

I am not familiar with notes. I would love to learn more about that.

Sure, basically the way it works is you have an investor and a borrower. Let's say there is a borrower who wants $30,000. Once they get accepted by lending club their loan, credit score and other information (only info that is needed nothing that gives away their ID) gets publish so investors can see it. Investor have the opportunity to invest in increments of $25. Once the investor has given the borrower money he/she has created a note. So notes can be worth $25 or $3,500, whatever that particular investor gave them. I think the limit is 50% of the loan but I'm not sure, I've never tried.

Personally I only ever create $25 dollar notes but still invest $200 per person (so I create 8 $25 notes). The reason I do this is because notes can be sold and it's much easier to sell a $25 note than it is to sell a +$200 note.

Sorry if any of that confused you I'm not very good at explaining things.

What could be different?  People can OWN shares in the DAC to add to their portfolio? Earn interest if no position is taken (bitusd yield)?

I think if we could we should leave it on the bitshares blockchain and not create a new DAC.

Owning shares would be unique if Lending Club didn't start trading on the NYSE 2 weeks ago...
https://www.google.com/finance?cid=291564398667183

International in a way the gov can't regulate too much? Multi-currency?

Yea that is one thing that could help us stand out. We could allow users from around the world to trade loans among each other as well as issue a loan to someone in a different country.

Other things that might help us stand out are...
We could allow people to trade notes (loans) for almost nothing. Right now it's 1% to trade notes which is very high.
From what I remember it takes a while to trade note (I think it was 3-4 days). We could do it in a matter of seconds.

PS You have the same first name (Renaud) as the CEO of Lending Club... coincidence?
I think not! lol

Collateralized lending is planned for BTS.   Unfortunately, what most people want is uncollateralized, trust-based lending.  For the uncollateralized model to work you need a global ID / reputation system and that is under development for BTS.

https://bitsharestalk.org/index.php?topic=9806.0

http://www.usatoday.com/story/money/2014/12/11/ipo-stocks-markets-tech-loans-/20241925/

LendingClub, a kind of Kickstarter for loans, saw its stock soar more than 60% in its first day of trading Thursday before closing up a hefty 56.2%.

LendlingClub (LC), which matches borrowers with lenders, including individual lenders, soared to as high as $25.44 a share at its open, up 69% from its $15-a-share initial offering price. The stock ended the day up 56% to $23.42 a share.

Yea it's a great idea, great company and it has been one of my most fruitful investments over the years. It's also a relatively new market and if bitshares could get in now... well I couldn't even imagine what would happen!

I gave BP the benefit of the doubt.  I understood the reasons for waiting for the 'big 1.0 marketing push,' and I defended the lack of results because the I3 team, with greater visibility, confidently backed the work BP did behind the scenes. Suffice to say, the big push hasn't come, the low hanging fruits were left hanging, and I am disappointed. 

I am however thrilled about the Null Street team and community marketers.  You guys rock.

Same.

We really need 1 website where we can browse delegates, click their names and have...

• The mission of that delegate
• Weekly, biweekly, monthly, etc. updates/results
• Other delegate info such as pay rate, produce, missed etc.

It could easily be added to this.
http://www.bitsharesblocks.com/delegates

Hopefully svk would consider adding this. The forum is a great place to get elected but we need a place where we can see what the 101 delegates are up to.

^^^We need this. It's hard to keep track of all the people and what they are doing if you are not super active on the forums. Having everything organised in one place will help with voting.
Also a nice feature would be a delegate having the ability to recommend another delegate. So say on toast's or BM's delegate page they could have a list of other delegates they recommend.