I checked it but didn't find anything about what I am doing is not valid.
Just to make it simple for you valid collateral is top altcoins 120-150% of the loan value to be secured by an escrow and returned in full on repayment or sold off in case of default.
Social media accounts are not considered as valid collateral.
Can you quote it to me?
[EDU] The Rule of "No Collateral, No Loan" - IGNORE AT YOUR OWN RISK!