This works P2P because if you'd use a platform like nexo, you'd stake your tokens in exchange for any currency you want to borrow. Dunno how this works but are you allowed to borrow anywhere?
my advice is don't borrow crypto because the market has high volatility. so if you receive 1 BTC at a price of $ 5000 and then 1 month will come the price goes up to $ 10k you will experience a big loss
You must get clear on your intentions when getting a loan, most probably borrowing is best when you want to short the market and make profit out of it