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@Tijmen
The paint damage fees are a joke.
Concept is a direct copy of what Swapfiets started in the Netherlands about six years ago. They're now available in most German cities and apparently also in London: https://swapfiets.co.uk/london
Can't immediately find info on repair fees, but I've never heard of friends having to pay for anything outside of the monthly fee and a (fairly low) replacement fee in case of theft.