Would BTC influence the lending of blockchain？

[IoTer]

These days BTC caught everyone's attention.
Since there are many friends of mine are keen on the study of whether using blockchain for borrowing and lending makes sense. So would you like to share your opinion with me about the blockchain lending and which role would BTC takes in it ?

BTW, I have some concern on these questions , especially the security and the fee-reducing...
I have heard that the LongTooth technology can meet the needs（It is said that even me can build my own tiny IoT by only inputting few codes) , so I will keep my attention on it !

[MintDice]

Well right now you can use SALT as an example as it's the premier blockchain lending service provider. Some time ago, I read they lend money depending on the value of the blockchain assets (could be bitcoin) of the borrower. From what I've read, however, lenders charge a pretty big interest rate on the loan. Where it gets muddy for me is, let's say btc is used as collateral then both parties have to consider the fact that the value of btc will rise and/or decrease, meaning then the borrower can subsequently add to the value of his collateral in relation to the increase in value on the market-for more capital, as I understand. On the other hand, if the value of the asset decreases below the acceptable threshold agreed upon in the initial loan, then the borrower will face pressure from the lender to make more/higher principal payments to bring the account back into balance. In conclusion, it seems like there's a lot of room for trouble and not for someone who is inexperienced in the market.