https://bitcointalksearch.org/topic/edu-the-rule-of-no-collateral-no-loan-ignore-at-your-own-risk-577765
you will get your 1 soon, not BTC but negative trust
First of all, the thread says NO COLLATERAL, second, on the rules it also says: "Note that this isn't an official forum rule, it's just a rule that most lenders will follow."
Another thing that doesn't make sense at all, sorry, but if I had 1BTC value in dogecoins for sure i wouldn't be here asking for a loan, and another thing is that the scam problem is real from both sides, who said that if i give someone the collateral value he will send me the payment after?
Anyway, I just wait for the answer from the loaner, if yes that would be great, if not great as well, no problem.
and about "I had 1BTC value in dogecoins for sure i wouldn't be here asking for a loan" users put the altcoin as collateral if they think that price of that altcoin can rise in near future and when they need urgent money they put them as collateral and take BTC loan
like if you sell your 1btc worth dogecoins to bitcoin then you will be getting 1BTC only, and if you take a loan of 1BTC for 1 week @ 5% putting your altcoin as collateral and during this period value of that altcoin increase by 20% then your profit with that altcoin is safe
there are many trusted escrow who can hold your collateral, you don't need to send your collateral to lender if you don't want to, you can use escrow to handle the deal