xCoins is a peer-to-peer bitcoin lending platform. All loans originated at xCoins are person to person loans. xCoins does not lend any funds and does not exchange bitcoin. The platform assists lenders with borrower identity verification, credit risk analysis, and unpaid funds collection. The service is subject to lenders availability. xCoins makes no warranties, expressed or implied, and does not guarantee that each borrower will be matched with a lender.