The tokens that you offer don't have any value at the moment, even if you might think that will have in the upcoming years.
Someone might want to punt for the token. UCO, from what I saw, has incredibly low volume, and if that makes up the bulk of the collateral, then I don't think the loan will be filled. The SaTT token, in comparison, has much more and might have
some volatile value.
The loan terms that I would deem favorable would be heavily restrictive: you would probably need to tie up a significant amount of collateral, much more than the typical 120%, and you'd be looking at a possible liquidation event due to the unreliability of the token given its relative recent increase in volume.