all bussness still can risky but you can minimum to risk
if you want loan you must use colletaral, is safe two person, if give and receive loan, and you not trust open service lending
you can use escrow, so pay escrow receiver loan
But why i need use escrow to receive my loans? The bigger mistake for the lender to give a loan which its loan have a same value with a collateral, if we are trying to look at the bank system everywhere and anywhere the value of the collateral are highest rather than the decimal of the loan.