it is a bit complicated. are we doing it in $ or in for example btc? so should i pay you in fixed amount of btc or amount of btc converted in $. because today it is 4 btc, a year from now it could be 1. or if it is in fixed amount of btc, i would never take that, in 3 years it could be 100.000$ of worth.
i don't see crypto in loan business while markets are so live.
i seen people take loans for houses in swiss francs. they took like 40.000 few years ago, they returned 30.000 and are still 40.000 in debt. just because swiss franc got stronger.