It is necessary to interest the borrowers to use secured loans backed up by TWQ tokens.
Very often people who take a loans do not have any money at all. That is why they take loans.
I don't think this business still attracts attention from crypto users. Usually, lending platforms have loopholes that they are the only ones benefiting from its business model. And those borrowers, will be in deep debt later on. So I have never encounter a successful lending platform yet in this forum.