You set an interest rate based on the value of the collateral, right? Otherwise, why have it? So does the interest rate change as the value of XPY changes if you're using that as collateral on the loan?
Because this could work if it's all variable interest rate based on the value of XPY.
Actually, the interest is set by the borrower. Its up to the investor to accept. we expect for the market to dictate that thou. Obviously low interest loans take longer to get funded.