Scoring, assessment of borrowers for the Webmoney system. Short review. Instruments

    The topic of making money on the Internet is quite popular and there are plenty of materials devoted to this topic on various sites. Despite this, various means of extraction of profit on the World Wide Web cause experienced users a healthy and justified skepticism.

    The reasons for this are many, as well as the sites themselves promising considerable profits without special labor and time costs. Various boxes, pyramids, hypes, referral systems, affiliate programs, active advertising systems, multi-level marketing, etc. in most cases earn either a penny or even completely lose all the savings invested in them, because places where promise great benefits - there is a huge risk of loss of funds. It is not surprising that a sophisticated user is looking for the best ways to make money online from the perspective of “risk of loss - profit” or offers some of his services to other people that are interesting, in fact, doing remote work or business.

    This article does not consider ideal options, such as whether you have a visited site and make money from advertising on it (passive income), nor will we touch on Forex - this is a topic for individual articles, which are already enough. Let's talk about Webmoney lending and scoring services for them.

    At the moment, Webmoney has two well-known tools for issuing or receiving units of calculation of this system in debt. - “Debt Service” (Dept) and “Credit Exchange”. Being the same in meaning, they are two different in structure and principles of the functioning of the service. The main technical differences between them are discussed below. - Dept allows the owner of the wallet to trust a certain part of the amount (or the whole amount) for use by another member of the Webmoney system for a certain period of time, the percentage is an electronic analogue of a loan between two persons, a credit exchange implies in many cases a share in the loan application and work with WMC wallets , which is not in Dept-e.

    In fact, there are a lot of technical and ideological differences between the Debt Service and the Credit Exchange, and all of them are expressed ultimately in the fact that Dept is considered a more risky way to lend than the Credit Exchange, but at the same time more mobile and faster. However, with a skillful approach, you can earn using any of the tools mentioned above. And with a percentage of profit far exceeding the percentage of bank deposits, while always remembering the still high risks. Never invest your last savings in such services!

    Until very recently, few have heard of such a thing as “scoring” or, more precisely, “credit scoring,” Wikipedia tells us - this is a “person’s credit rating (credit risk) assessment system based on numerical statistical methods”. Naturally, the concept emerged from off-line banking and similar institutions and gradually began to gain a foothold in various electronic settlement systems, which is understandable - more and more convenient means and data for processing information in digital form than paper ones.

    Scoring programs of varying complexity are present in any credit machine, determining who should be given a loan at the moment and who should not, based on various parameters, depending on many factors. But these programs are usually hidden from the eyes of users and appear for them as some invisible intermediaries.

    Linking information about Webmoney debt services and special scoring programs in one, we ask ourselves whether there are scoring systems that are open to most users and that allow them to choose who to check at the moment and who do not and who thereby help in making the final decision on granting a loan (loan). Until recently, such systems existed only within the framework of credit service sites, providing, under certain conditions, information about their borrowers and their credit history. But it is worth noting that such data is usually closed and not free, and this is entirely justified - why should credit machines share valuable information just like that?

    At the moment, it has become easier on the Internet to find independent websites providing a service for checking potential Webmoney borrowers with varying degrees of detail. Consider three of them their brief characteristics.

    1. - Initial verification service for Webmoney borrowers. It allows you to get the result according to the well-known WMID in the form of recommendations and scoring points, as well as fairly detailed information about the main parameters of the borrower and how exactly they influenced the overall scoring. It has a simple loan interest calculator, interacts with a credit machine based on data from inspections of borrowers. In the personal opinion of the author of the article, wm-scoring is more focused on Debt than on the credit exchange, it has various statistics tables, including data on the latest user applications for loans. So far, completely free.
    2. - A service specializing in borrowers and applications from the Credit Exchange. It has a large set of parameters for evaluating loan applications and convenient means of tuning (adjustment) for lenders. Using these tools, you yourself can configure and at any time change the site environment to choose good, excellent and mediocre loan applications. And such a setting can be individual for each individual creditor user. At this time, the service is completely free, but it is soon planned to introduce a paid subscription.
    3. - The site specializes in searching and evaluating both technical indicators of a borrower of the Webmoney system and a large amount of data related to its profile indirectly - pseudonyms, contacts, websites and secondary wmids associated with the certificate of a potential borrower. At the moment, it’s free, but pretty soon a paid subscription will be introduced.

    If you are new to Webmoney loan systems or already an experienced lender, the described tools will probably help you in making the right decision, since the human brain will remain the best scoring device for a long time to come.

    Also popular now: