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LNRoulette | 2 months ago (raw) | root | parent | reply | flag 
 I hate to say this but 90% is very low. It must be higher than that surely? 

If 10% of loans default it is not sustainable
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bitbybit | 2 months ago (raw) | root | parent | reply | flag 
 The percentage rate on debt is the de-facto default rate on all similar debt.  

If 90% gets repaid, their interest rate should be at minimum 10%.

Interest rate is literally the rate at which debt defaults.