Your "collectibles" are pretty much worthless, and honestly, mpay looks more like a pump and dump type of token. When you say "collateral is a locked", that tells me it cannot be sold or transferred. On top of that the volume looks extremely low, and i can barely find it on any reliable exchanges (after all they concluded their ico a couple of months ago it seems), so its hard to really say if thats valid collateral. Do you have anything else that is 120% of what youre asking?