When it comes to cryptocurrencies lending, there are two problems: trust and price volatility.

Trust: You need some collateral to give the other party the loan and to make sure that the person who gets the loan has a mechanism to repay that loan. This needs to see some personal data and thus reduced interest from cryptocurrencies.

price volatility: Cryptocurrencies are highly volatile and therefore must be converted using dollars, which may mean the need for a conversion of the local currency and thus revealing identity in most cases.