Maybe we should first go with the way of allowing bitcoin adoption by the banks before it may be seen as either a consideration for loan or not, but currently in Nigeria, banks are not allowed to get involved in anything that has to do with bitcoin or cryptocurrency, because they are yet to clarify their doubts about this digital currency, but the people can on their own take risk in dealing with cryptocurrencies.

So if they can first allowed for its recognition as a digital currency and the banks granted access to using it, then having it for loan and other applicable uses should not be a problem.