Interesting Idea.I'd give you one for detailing the thread and explaining all the necessary steps.I have one question,
What if the lender has no collateral to offer ? Most of the lenders on bitcointalk have no collateral.How does your plugin handle such case ? You have explained a scenario where there is a lender,borrower and a token (BAT) which is a collateral correct ? Replicating the scenario on bitcointalk there is no BAT,just a lender and a borrower.How do you grant such loans ?