I have finally understood what you are suggesting. But I am not so sure that the Bticoin is borrowed as long as the order doesn't go through ....
But reading a second time your article, it seems that yes it is ...
I guess it's a great idea, and that as soon people will get it, the interest rate will drastically go up ....
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It is because the intrest money starts showing (as you see in the picture in red). Also in the loan tab you can see the loan going ..