Make sure to quote the whole sentence so things dont be taken out of context and accounts arent valid collateral, even if its an ICO account, the account could be taken back, and even if it doesnt, an ICO doesnt promise it would cover what you borrowed since newly tokens or coins are usually at a higher risk of being worthless. It should be something that is 120% of what youre asking that can be easily liquidated in the event of default.