What I am saying is that we allow them to use as collateral.

1. They use X amount of XPY as collateral and a virtual lock goes to those XPY in their wallet. (we don't hold their wallet, these are at third parties)
2. They get a loan.
3. They pay back and get their wallet unlocked.

They don't pay, their XPY gets sold and given to the Investor.

We never get their XPY unless they don't pay.We hope we never get to that.
We will do the same with BTC Mining Contracts and some BTC Exchanges.

Just as when you mortgage your home/