This is done by deciding how much you’re willing to loan in USD and depositing that amount into your Xcoins account. The system will then automatically match you with buyers (i.e. lenders) and they will deposit money directly into your Paypal account.I have not tried this method personally since I don’t want to get in trouble with Paypal in case a buyer files a dispute. However, several users online have reported that they have been generating nice returns through this method.