I had initially had my doubts about any service providers wanting to offer a lending service in crypto because of the issue of KYCs as those that have done that in the past are nothing to write home about due to the outcome of such service. But reading the through how they propose to achieve it, I am impressed at the mechanism put in place to achieve the desired result. The focus on strict account checking is one that is commended in that if you value your privacy so much, don't bother try to apply for the loan. Another is the interest they are promising on people who make deposits of 5BTC which is 3%. I feel that is something that can work compared to those who will promised ridiculous returns for lending your funds to in-existent customers.