Kudos to OP for at least not starting its career here by demanding a no collateral loan. Usually they wade straight in and get some nice red marks.
The purpose of the lending section appears to be for more senior members to sneer at the pitiful attempts to have their money away. I do not understand why it exists.
lol ya, I don't need a loan. I just find it funny there are lenders here that only give out loans with 120% collateral which means they have zero risk in a traditionally risky business. I would lend out money all day if people always had 120 percent collateral provided, lol.
So why not come compete? Charge a significantly lower rate since it's "zero risk" and walk about with easy profits. Nothing stopping you.
There is some risk though. If you keep altcoins in local wallets, the coin could crash overnight and you'd be taking losses. If you keep altcoins on exchanges, you'd face risks from the exchange shutting down/disappearing/blocking withdraws/etc, and possibly have to suffer losses if the borrower added more collateral but you never adjusted your stop loss.