Then what's that? 20k EUR is 20% of your crypto holdings worth, meaning that you plan to put on escrow crypto that today worth ~100k EUR?
When has that ever happened
It's either 20% collateral (4000 EUR worth of crypto), completely useless, or - a very generous interpretation - 120% collateral, 24000 EUR worth of crypto. The latter case might be of mild interest to someone who has some cash laying around but not sure if it's worth the risk for 1000 EUR.