Just visit the lending section of this forum, and you will be able to see how lending can work with crypto too. You just have to have a good escrow and to offer some collateral.

Smart contracts are often overrated. Using smart contract may sound like something sophisticated, while in reality they are not overly advanced (yet). Smart contracts are very similar to using escrow. The difference is the escrow is replaced by a piece of computer code that is executed automatically when certain conditions are met.