It's great that you're going to work with cryptocurrency, cause it's money of future. But I can't find the information about what exactly currency you're going to work with?
Thanks for your question. During the launch period, lending will be handled in the following currencies: USD, BTC, ETH, Waves, LBT (currency of platform). In the future, the number of "working" currencies will increase to meet the large needs of the platform participants.
How are you going to deal with users who will not refund the funds? Such a risk definitely exists.