I wonder this: if the usual banking system will disappear as such, then she will leave and credit system, leasing and installment payment, debt, etc. As there is no centralized authority that can issue and track correctness of performance. To some extent, this is certainly good, but in fact people who can not immediately earn a large amount of money and will remain in the lower levels of life, which gives the modern banking system (though not ideal). What do you think about this? How to Take a loan in cryptocurrency?
Crypto currency has started to be used in other transactions like in the payment systems. If we talk about loan in crypto currency, I think it is a bit difficult since almost all of us here are using pseudonym. There is no guarantee if credits will be paid.
This is the main difficulty. However, if we have a blockchain system that makes all transactions transparent and we can see a person's credit history. Smart contracts can also help.