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.
An escrow would just make sure the loan will be complete and this also could say both parties are trusted. Look, this is just done when we dont even know each other physically. We just use escrow because all of us here dont trust each other and we dont know if one will run.
Better be safe right? I would do it even if I pay, but it should not be equal as to how much I would profit from it.