For me crypto should not made as credit.it is too hard to pay ur debt using crypto.this is just for me.i guess so.crypto is actual money moving here unlike credit so dont make crypto as credit.or dont say goodbye to credit.well i know possible too to have credit using crypto but it should be manipulate also by banking process to do payment as well.
The fact is that if the loan taken in the ripta is used for projects that are built and involve the turnover of the crypto currency in their own business, then there is no problem because you will pay it at the current rate. but if converterwill in Fiat then it will come will bother ocens much.