Why does it need to be anonymous? I don't think you can have both anonymous and scam-proof at the same time for a lending platform.
Being non-anonymous doesn't prevent scams, because they always can use fake identity. Demanding non-anonymity is not designed to prevent scams, it is designed to scare scams and allow prosecution after scam was revealed. However, in practice prosecution is costy and not effective, especially in bitcoin-based system, so it doesn't help scaring scams away and doesn't prevent scamming in general.
I'm making a system that instead of prosecuting scams post factum will prevent scams from entering the system in the first place.