How do I protect myself from dishonest borrowers?

You can screen borrowers by looking at their reliability rating or Trust Score: the higher, the better. A lender has a right to set lower limits for Trust Score rankings for loan receivers. A lender also has a right to choose who to issue loans to or to deny applications. Please ask the borrower to disclose all information about his account and analyze the information carefully. Generally you can, and should, ask as much information as necessary to rest assured that the loan will be returned.

You can create your own list of agents to work with.

What is the difference between a Quick Payment and a usual transfer?

The only difference is a transaction speed. A user does not waste time on going to the proper page, selecting currency, confirming details and so on. He/she only needs to specify the receiver account and the system will automatically choose the proper currency and the account to withdraw the funds from. The Quick Payment interface appears immediately upon clicking on the "Quick Payment" button located under the menu of the Member Area.

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