It will probably be more convenient for clients and companies to have a single database. After all, if a client applied for a loan in one company, they may not know anything about his credit history in other companies
Its right that the team knew who gives the loan, you need to check the person and his debts, since there are a lot of scammers
I think that if the company has long been engaged in issuing loans then it should have ways to identify unscrupulous borrowers. And yes, in the field of cryptocurrency scammers enough.