Some things with your OP, first you have no capital. It seems!. Starting a business with fear is simply having no idea what you are going to do, if you are afraid of losing money on loan, that is, a part of the capital you have for that, you are trying to invest everything you have, it is a mistake.
The businesses that you see on the Internet under this type of modality, which do not ask for money in exchange for a bond / guarantee or what is called a trust loan, have so much capital that a user who does not pay means a commission that does not enter, no it is loss of capital.
There are so many ways to earn money on the Internet that this is only one way, but there is a variety of tastes and the main thing is to invest money without fear of losing it.
Tip;
Please, but never in your life ask a stranger I can "lend money to a third party" who is also a stranger. Always use some kind of confidence level. And the best some kind of guarantee.
Questions:
would you 100% trust them?
NO!.
Earning few percent per year vs. losing the big amount of cryptocurrencies fund?
This is a classic question of, that is, you just have to add the exclamation points.