Great idea, but it's too early. The average person isn't going to want to borrow crypto, but cash, so they'll just use Paypal.
In 2020+, however, this product will have some customers.
So there is just one way and it is up. It's too late to invest in 2020 and hope good profit. It would be late in 2020 start this kind project because developement take time and competition will be crazy.