mod323

Met mod323 via CrediFi, as I had some questions that I slammed into the Discord. He's always super quick to reply, help and resolve any issue & question. Also, became very apparent while chatting some more with him in DMs and rewatching the Ethos livestream with CrediFi that he's a solid buidler.

Came on our ethos stream to talk about building Credifi. https://x.com/serpinxbt/status/2095529107656470610?s=20 Came across as someone genuine and passionate about building useful products in the space. Strong background and tackling an important problem in the space.

I took out a $218 USD loan on https://credi.fi/. When I tried to take out another loan, there was no response. mod323, an official Credi employee, messaged me privately using both his own and the official Credi account, asking me to pay off the old loan first and then take out a new one. After I paid back the principal and interest of $219 USD, they banned my account because I had expressed my intention not to repay on X. You can ban my account, but claiming to have a new loan available, tricking me into paying off the previous loan, and then banning my account is no different from someone who doesn't repay a loan. I have the right to forfeit my collateral after taking out a secured loan, and the same applies to credit. mod323 said I should be ashamed of this, but I'm not ashamed of not repaying. Most sovereign governments in the world, especially the United States, borrow new national debt every year to repay old debts and haven't redeemed loans for decades. Why should I be ashamed of the underlying rules of global finance? However, I do feel ashamed that I was deceived into paying off the loan. You should also be ashamed of your deception.