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[Bank] Chrysus Industries - Savings made simple!

First post
Author
Korgan Medel
Brutor Tribe
Minmatar Republic
#61 - 2014-06-18 08:18:45 UTC  |  Edited by: Korgan Medel
You may aswell close this and walk away, biomass this one and start again next week with what you have learned.

1. Nobody will give money to a toon that was started a week ago.

2. Nobody will pay any attention when players with no posting history all come here within a few moments of each other and pledge ISK.

You have avoided every decent question about why this should be legit. I mean come on even the other scam banker Konifourus thinks you're too dodgy to give money too and he has been trying to portray himself as a legit lender with his little 100 mil loans to everyone and anyone recently.

You had a guy with ISK spamming in his profile posting to verify that your offer is good.

You can keep typing your diatribe every time someone tells you about your failings but you will not get any investment here without answering the questions that are being asked of you.

This is MD not who shouts louder wins.
Nicholas Chrysus
Xybercon Laboratories
#62 - 2014-06-18 09:28:18 UTC  |  Edited by: Nicholas Chrysus
Korgan Medel wrote:
You may aswell close this and walk away, biomass this one and start again next week with what you have learned.

1. Nobody will give money to a toon that was started a week ago.
Well that's evidently false.

Korgan Medel wrote:
2. Nobody will pay any attention when players with no posting history all come here within a few moments of each other and pledge ISK.
Agreed, but I can't control what other people do, unfortunately.

Korgan Medel wrote:
You have avoided every decent question about why this should be legit. I mean come on even the other scam banker Konifourus thinks you're too dodgy to give money too and he has been trying to portray himself as a legit lender with his little 100 mil loans to everyone and anyone recently.
Please point to the questions I've avoided. Beside the "give your API to a third party" and "expose your main", I've not avoided any questions, and on those two points I've made myself completely clear. My main will be exposed once I've ensured I'll be able to continue trading uninterrupted once I do, and my API details are private and will remain so until the end of time.

Korgan Medel wrote:
You had a guy with ISK spamming in his profile posting to verify that your offer is good.
Again, I can't control other people. I know your first thought is that it must just be me, but it's not. I should imagine that if I were to try to post up false reviews I'd have the common sense to use a character that wouldn't be taken as more of a negative than a positive, and I'd say more than just "I made a deposit". If you do doubt what that character said though, you can register with just 1 isk if you want and verify yourself that there is in fact a statement screen, which is all he showed.

Korgan Medel wrote:
You can keep typing your diatribe every time someone tells you about your failings but you will not get any investment here without answering the questions that are being asked of you.
Again, what questions?

Chrysus Industries - Savings made simple!

The new savings bank for EVE online.

Korgan Medel
Brutor Tribe
Minmatar Republic
#63 - 2014-06-18 09:35:29 UTC
Well lets agree to disagree that all the posters in here with no history are you and your friends.

And obviously you missed the bit about the diatribe. You cannot and will not bury people with your spam.

You will not get any money from this. Head back to Jita local/
Nicholas Chrysus
Xybercon Laboratories
#64 - 2014-06-18 09:52:10 UTC
Korgan Medel wrote:
And obviously you missed the bit about the diatribe. You cannot and will not bury people with your spam.

You will not get any money from this. Head back to Jita local/
It was not spam, It's a point by point response, which I thought is what you were saying I didn't do. Apparently you either missed the part where I asked you to point out what questions I've skipped or you realised I've answered everything asked of me.

Chrysus Industries - Savings made simple!

The new savings bank for EVE online.

Korgan Medel
Brutor Tribe
Minmatar Republic
#65 - 2014-06-18 10:25:25 UTC
No I am just not going to waste my time repeating what others have already asked of you.

Nicholas Chrysus
Xybercon Laboratories
#66 - 2014-06-18 10:33:51 UTC
Korgan Medel wrote:
No I am just not going to waste my time repeating what others have already asked of you.
Right, I'm sure that's it...
Realistically you've looked back over and realised that I'm right, and that I've answered every question as directly and as fully as able, so your whole complaint is moot.

Chrysus Industries - Savings made simple!

The new savings bank for EVE online.

Korgan Medel
Brutor Tribe
Minmatar Republic
#67 - 2014-06-18 10:40:57 UTC
You guarantee to pay 4% interest.

Where is this guarantee in the form of collateral? No because you offer nothing

In the form of goodwill? no because you have established no goodwill as its an 18 day old toon created for this scam

In the form of bank capital? No because you will not give out an api to verify/ you are an 18 day old toon with no earnings.

NO API no guarantees yes you can write the word its simple look "I guarantee nothing."

No collateral no guarantees.

So maybe you do mining or industry or trade to create the earnings to back up this guarantee? What your an 18 day old toon with no skills so no it cannot be that.

What the guarantee is, Its absolutely nothing, 9 little letters you hit on your keyboard.

This is a 18 day old toon with his own alts posting on multiple accounts with absolutely no guarantees for anything other than to try to take peoples money.

Until you PROVE (thats the important word) otherwise.
Awkward Sanchez
Awkward Honesty Inc.
#68 - 2014-06-18 10:56:08 UTC
you know... we could also just stop bumping this thread...
Nicholas Chrysus
Xybercon Laboratories
#69 - 2014-06-18 10:59:12 UTC
In the coming weeks there will be proof that I'm an alt, and that my main has been around long enough to be very experienced in industry and trade. That's restricted by the amount of time it takes for me to train up new hauler and industry characters to split them away from ones that can be linked to my main so I can trade even if people try to attack me in game.

And no, there's no third party held collateral to guarantee the interest, you're right. But lack of collateral doesn't make it a scam. If you aren't comfortable with investing in uncollateralised ventures, then don't invest, that's not a problem. I have no issue with people not trusting and I understand that trust is a hard thing to do in EVE because of the history of these type of things.

And finally, those aren't my alts.
In fact, they are your alts, right? Being used to defame me by making obvious alt like posts? There's just as much evidence that they are yours than there is that they are mine, and it would make more sense for them to be owned by a player who is against my business than for it, since they don't help the business, they damage it.

Chrysus Industries - Savings made simple!

The new savings bank for EVE online.

Isaac Schwartz
Caldari State Venture Capital
#70 - 2014-06-18 11:22:48 UTC
Nicholas Chrysus wrote:
But lack of collateral doesn't make it a scam. .


TLDR: 18 Day old OP requests unlimited loan from MD with no collateral, no API, no concept or strategy, no proof of skill, no history of trading, no revealing of other API or characters involved in the operation, no proof of the ability to create profit, no credit history - OP then attempts to defend himself against people who deal with people just like him everyday.

I wan't McMorris back, I would have trusted him more with my money anyway, at least he was funny.
Hexxx
Sebiestor Tribe
Minmatar Republic
#71 - 2014-06-18 12:07:53 UTC
Isaac Schwartz wrote:
Nicholas Chrysus wrote:
But lack of collateral doesn't make it a scam. .


TLDR: 18 Day old OP requests unlimited loan from MD with no collateral, no API, no concept or strategy, no proof of skill, no history of trading, no revealing of other API or characters involved in the operation, no proof of the ability to create profit, no credit history - OP then attempts to defend himself against people who deal with people just like him everyday.

I wan't McMorris back, I would have trusted him more with my money anyway, at least he was funny.


This.

Look, the entire point of MD is to serve as a potential investment pool. If a person wants to tell the MD to go pound sand that's fine - but remember why you're even posting here at all.
Nicholas Chrysus
Xybercon Laboratories
#72 - 2014-06-18 12:35:40 UTC
Hexxx wrote:
Isaac Schwartz wrote:
Nicholas Chrysus wrote:
But lack of collateral doesn't make it a scam. .
TLDR: 18 Day old OP requests unlimited loan from MD with no collateral, no API, no concept or strategy, no proof of skill, no history of trading, no revealing of other API or characters involved in the operation, no proof of the ability to create profit, no credit history - OP then attempts to defend himself against people who deal with people just like him everyday.

I wan't McMorris back, I would have trusted him more with my money anyway, at least he was funny.
This.

Look, the entire point of MD is to serve as a potential investment pool. If a person wants to tell the MD to go pound sand that's fine - but remember why you're even posting here at all.
I'm posting here to advertise that this service exists. Some people want to take up on it, some people don't, and that's fine. Some people just seem like they won't be happy unless services they don't want to involve themselves in are destroyed.

Now as much as you don't want to accept it, this is a legitimate service. It already has some investors, so I'm not going to simply shut it down because handful of people don't like it. Like I've previously said, if you don't like it, don't invest, that's your prerogative, just as running this service is mine.

Chrysus Industries - Savings made simple!

The new savings bank for EVE online.

Hexxx
Sebiestor Tribe
Minmatar Republic
#73 - 2014-06-18 13:03:05 UTC
Nicholas Chrysus wrote:
Hexxx wrote:
Isaac Schwartz wrote:
Nicholas Chrysus wrote:
But lack of collateral doesn't make it a scam. .
TLDR: 18 Day old OP requests unlimited loan from MD with no collateral, no API, no concept or strategy, no proof of skill, no history of trading, no revealing of other API or characters involved in the operation, no proof of the ability to create profit, no credit history - OP then attempts to defend himself against people who deal with people just like him everyday.

I wan't McMorris back, I would have trusted him more with my money anyway, at least he was funny.
This.

Look, the entire point of MD is to serve as a potential investment pool. If a person wants to tell the MD to go pound sand that's fine - but remember why you're even posting here at all.
I'm posting here to advertise that this service exists. Some people want to take up on it, some people don't, and that's fine. Some people just seem like they won't be happy unless services they don't want to involve themselves in are destroyed.

Now as much as you don't want to accept it, this is a legitimate service. It already has some investors, so I'm not going to simply shut it down because handful of people don't like it. Like I've previously said, if you don't like it, don't invest, that's your prerogative, just as running this service is mine.



I don't care about you keeping it running or shutting it down.

Fundamentally, I don't think you understand what MD is or the purpose it truly serves - and that's ok. You can go on and advertise in Jita and get what scraps you can from the margins of MD. You could run a service forever just like that. Nothing wrong with it either. But you will never win wide support and investment from the general community by conducting yourself as you are now, which limits the potential investment pool you have access to for financing.

We can't all grow up to be astronauts, and that's ok. Pirate


Nicholas Chrysus
Xybercon Laboratories
#74 - 2014-06-18 14:38:13 UTC
Hexxx wrote:
I don't care about you keeping it running or shutting it down.

Fundamentally, I don't think you understand what MD is or the purpose it truly serves - and that's ok. You can go on and advertise in Jita and get what scraps you can from the margins of MD. You could run a service forever just like that. Nothing wrong with it either. But you will never win wide support and investment from the general community by conducting yourself as you are now, which limits the potential investment pool you have access to for financing.

We can't all grow up to be astronauts, and that's ok. Pirate
I understand that I won't be winning over investments from key investors in MD, in fact I've stated pretty clearly that's not where my target market lies. This is for "picking up the scraps" as you say, it's for giving a place for the guy who doesn't have the level of isk or the know how to invest a place they can make a moderate interest rate off of their spare isk. It's certainly not a place I would expect people to take huge risks.

The problem seems to be that no matter how many times that I explain that it's supposed to be small scale, the responses seem to be coming as if I've asked for a hundred billion isk loan. Long term I'm not even planning to make much isk off of this, I'll be making as much as any other investor (as my only profit will be the interest the system pays into my own characters accounts), and running the service primarily for the enjoyment of doing it. So if it end up with just a handful of investors and like 10b isk total investments, I'll accept that, as long as it runs and runs well. As long as what I end up with is a legit and long standing business, then it's level of investment really doesn't matter to me.

So overall yeah, I suppose we can't all be astronauts, but then some of us are happy to live our lives on the ground rather than fly like an astronaut then crash and burn like Ebank eh?

Chrysus Industries - Savings made simple!

The new savings bank for EVE online.

Ria Nieyli
Nieyli Enterprises
When Fleets Collide
#75 - 2014-06-18 15:03:15 UTC  |  Edited by: Ria Nieyli
Nicholas Chrysus wrote:
Hexxx wrote:
I don't care about you keeping it running or shutting it down.

Fundamentally, I don't think you understand what MD is or the purpose it truly serves - and that's ok. You can go on and advertise in Jita and get what scraps you can from the margins of MD. You could run a service forever just like that. Nothing wrong with it either. But you will never win wide support and investment from the general community by conducting yourself as you are now, which limits the potential investment pool you have access to for financing.

We can't all grow up to be astronauts, and that's ok. Pirate
I understand that I won't be winning over investments from key investors in MD, in fact I've stated pretty clearly that's not where my target market lies. This is for "picking up the scraps" as you say, it's for giving a place for the guy who doesn't have the level of isk or the know how to invest a place they can make a moderate interest rate off of their spare isk. It's certainly not a place I would expect people to take huge risks.

The problem seems to be that no matter how many times that I explain that it's supposed to be small scale, the responses seem to be coming as if I've asked for a hundred billion isk loan. Long term I'm not even planning to make much isk off of this, I'll be making as much as any other investor (as my only profit will be the interest the system pays into my own characters accounts), and running the service primarily for the enjoyment of doing it. So if it end up with just a handful of investors and like 10b isk total investments, I'll accept that, as long as it runs and runs well. As long as what I end up with is a legit and long standing business, then it's level of investment really doesn't matter to me.

So overall yeah, I suppose we can't all be astronauts, but then some of us are happy to live our lives on the ground rather than fly like an astronaut then crash and burn like Ebank eh?


Well the problem with attracting small-scale investements is that there are none to be had. If somebody who has five billion invests one of those, he's locking himself out of a sizeable portion of his funds for a measly forty million a month. Habitual MD readers can usually eke out a better profit than that unless they have so much spare cash that they physically can't manage it any more. At that point, of course, they can give you a small sum of ISK without burdening themselves too much. The question remains: why would they trust you when you have no track record of anything?
Nicholas Chrysus
Xybercon Laboratories
#76 - 2014-06-18 15:29:10 UTC
Ria Nieyli wrote:
Well the problem with attracting small-scale investements is that there are none to be had. If somebody who has five billion invests one of those, he's locking himself out of a sizeable portion of his funds for a measly forty million a month. Habitual MD readers can usually eke out a better profit than that unless they have so much spare cash that they physically can't manage it any more. At that point, of course, they can give you a small sum of ISK without burdening themselves too much. The quetion remains: why would they trust you when you have no track record of anything?
There's none to be had from the investor market, sure. People who are here and can invest in loans and the like will stand to make more profit. But smaller players, the average Joe has no real chance of seeing people offering any interest rate for the few hundred million they can afford. The type of people that just sit on their little bit of isk for years and years, those are my target market. These are the type of people that would and do go for savings banks, and up until now they've just been screwed out of their cash. If another scam came up, the same type of people will still invest and still get scammed.

So I want to scoop up those consumers and give them a simple, easy to understand way of sticking their isk somewhere it can grow, and somewhere where the end result isn't yet another collapsed bank in deficit with the directors giggling and rubbing their hands together.

I know that at the moment I don't have much credibility being an alt and all, but that's OK, it will come with time. In a few weeks I should be sticking my mains name to this which will at least give a character with years of play at the helm. Over time I'll grow the business, and improve the systems on which it runs and hopefully build up a good reputation where people will look back at all the naysaying and laugh.

Whatever way it goes though the service is now here to stay. I've got a few investors already and I'll work with them and try to grow the business slowly. I've got considerations of other branches to make off of this to give benefits to customers on top of the interest rate but that's all a while down the line. For now my focus is getting people involved and growing.

Chrysus Industries - Savings made simple!

The new savings bank for EVE online.

Koniforous
Tauren Transit
#77 - 2014-06-18 16:48:06 UTC
Korgan Medel wrote:
I mean come on even the other scam banker Konifourus thinks you're too dodgy to give money too and he has been trying to portray himself as a legit lender with his little 100 mil loans to everyone and anyone recently.

Please, read previous forum threads/posts/my lending webpage, before deciding to state inaccurate information. And to address the scam banker accusation: If that were true I'd go about conducting my bank in much the same way this guy is so far, instead of spending countless hours evemailing 3rd parties, developing policies, and long-hand updating a website (which obviously takes me forever because I have ZERO webpage design knowledge). There are far more easier ways to run a scam bank than the way I am operating my bank, such as the way we see here. The only thing I'm guilty of is falling short of my original goal of targeting small investors, the same pilots this guy says he's targeting. And, he's right, eve needs something for the small guys; sadly that was supposed to be TAUTX. I'll have to find my way back to that dream somehow, and will most likely be creating a system of tiers for my bonds.

On topic: When I posted my bank on the MD threads, I was telling the truth about never having posted on the forums before that. I was truly naive to the way the MD community would receive my bank. And I was shocked with the public reception. But I LISTENED. And I took the community's advice, and I incorporated specific policies into my business that the community demanded. I allowed them to shape my bank into something, at least, more clearly defined than from its opening day. But all of that was and is because I have honesty on my side, and pure intent. It's easy to tell all of us to just **** off and keep doing what you're doing if you intend to market a quick and easy scam. Is that the plan here, because if it isn't then start LISTENING to us and flowing with the current of MD thought and expectations.

After several hours of googling, I discovered who your main is (and anyone could do it, so you might as well go public with him now), you know that because I told you. What your main's forum history shows is that you are VERY familiar with the forums, MD included. And I'm forced to ask myself if your naivety to the way your bank would be received is just a ruse? Why have you not read the most recent banking threads (McMorris, Far, TAUTX) and learned from our examples and mistakes? Why have you still not listed a maximum deposit value? When will you realize that the MD community is here to help you mold and shape your business model into something official, and acceptable (admittedly forcefully and through negative insults, but still constructive feedback)?
Nicholas Chrysus
Xybercon Laboratories
#78 - 2014-06-18 17:13:18 UTC
Koniforous wrote:
It's easy to tell all of us to just **** off and keep doing what you're doing if you intend to market a quick and easy scam. Is that the plan here, because if it isn't then start LISTENING to us and flowing with the current of MD thought and expectations.
I am taking on board comments and criticism from both this forum and in game, and I will be looking at them going forward. I've read the post suggested to me by Grendell and taken that on board as well as contacted him for further advice. I've spoken to several people in game regarding it, some investors and some not, who have provided me with constructive responses. The only part I'm saying "**** off" to is when people keep telling me I should be posting my APIs. That's not going to happen.

Koniforous wrote:
(and anyone could do it, so you might as well go public with him now)
Probably true, and it might happen. I'll mull it over when I get in. I might be dodging wardecs and gankers for a couple of weeks but I'm financially stable even if I have to hold highsec trade.

Koniforous wrote:
What your main's forum history shows is that you are VERY familiar with the forums, MD included. And I'm forced to ask myself if your naivety to the way your bank would be received is just a ruse?
I'm not sure I'd consider it naivety, perhaps just wishful thinking. I pretty much knew what the response would be, which is why I'm getting it out of the way now. Down the line there will effectively be a relaunch once I've learned what I need to to push it effectively.

Koniforous wrote:
Why have you not read the most recent banking threads (McMorris, Far, TAUTX) and learned from our examples and mistakes? Why have you still not listed a maximum deposit value?
I have read those posts (though not recently enough to realise McMorris had folded), and I've not listed a maximum deposit because I'm not sure where I'd set that limit. It would entirely depend on how many deposits of that scale I received. I've got a change going in though where it is explained that should the total deposit balance breach the threshold of reasonable profitablity that the highest deposit balances will have some funds released to the owners to keep the bank running effectively.

Koniforous wrote:
When will you realize that the MD community is here to help you mold and shape your business model into something official, and acceptable (admittedly forcefully and through negative insults, but still constructive feedback)?
I realise that some of you are, and I'm trying my best to take on board feedback without being completely dictated by what people say. Some people really aren't here to provide anything constructive though, they assume this is a scam and want to berate me until it goes away. One thing I did read on the McMorris post yesterday was you saying "Congratulations everyone, we did it!" when his "business" (I use that word loosely since it was a confirmed scam) collapsed. I see the same thing happening here from some people. Some people want this to collapse, so they don't want to help.

I'll do my best to make it more vocal when I am taking on board what people are saying, but you also need to see that I have my own way of doing things, right or wrong, and sometimes I'm going to stick to my guns. If that ends up to be to my detriments, that's a mistake I'll have to shoulder just as you've shouldered yours.

Sorry for the wall by the way :D

Chrysus Industries - Savings made simple!

The new savings bank for EVE online.

Hexxx
Sebiestor Tribe
Minmatar Republic
#79 - 2014-06-18 18:02:22 UTC
Nicholas Chrysus wrote:

So overall yeah, I suppose we can't all be astronauts, but then some of us are happy to live our lives on the ground rather than fly like an astronaut then crash and burn like Ebank eh?


"A man's worth is no greater than his ambitions."
Nicholas Chrysus
Xybercon Laboratories
#80 - 2014-06-18 18:39:53 UTC
Nicholas Chrysus wrote:
Koniforous wrote:
(and anyone could do it, so you might as well go public with him now)
Probably true, and it might happen. I'll mull it over when I get in. I might be dodging wardecs and gankers for a couple of weeks but I'm financially stable even if I have to hold highsec trade.
After (albeit minimum) consideration I've decided to go ahead and release this since it's going to come out sooner or later, so why not sooner?

My main is Lucas Kell.

Chrysus Industries - Savings made simple!

The new savings bank for EVE online.