The first key difference to be resolved is that collateralizing digital currency is a completely different proposition than buying a discounted invoice for fiat currency. Although both forms of passive income involve very different factors.
When encrypting, the risks include encryption variability, drastic reductions, loss of your mnemonic or key, and the verifier not paying you. Since this is a cryptocurrency, the cryptocurrency you pledge is not insured, and funds cannot be recovered in the worst case.