I have thought about building a platform that enables lending via smart contract but there will be a lot of things to consider which I haven't been able to do yet, one of it is that what will one use as collateral since the loan will be on the blockchain.
Let's say for example you are giving tokens on exchange as loans, how would you be able to trace the person who collected the loan if they refuse to pay, or will there be a way to reverse the coin back to its original wallet, if so then the purpose of the blockchain have been annulled because the blockchain was built to be decentralized.
The easiest lending can be done through automated collateral. You have a coin that you don't want to convert to fiat or to another altcoin but you want to invest in a project that you are sure will bring you profit. You use the collateral to get an automated loan that will give ownership of the collateral to the lender after a certain amount of time.