It is risky to lend money in cryptocurrency especially when you do not know well who the person is. Cryptocurrency is not regulated so, there will be no centralized body that will manage and ensure that your money will come back. It will be difficult also to get a worthy collateral to strangers. Lending money in cryptocurrency would be a great idea only if there is a good system or procedure that will oversee the activity to keep the safety and interests of both parties thus, avoiding scams.