From the loaning services I've seen in the past, most required you to hold over keys. I personally would not do this, never!! but alot of people dont like KYC and I dont really mind doing that.

My idea would be collateral backed loans. 50% LTV, which means $200 of assets to get a $100 loan. If the price of the assets drop by 50% before the loan is repaid, I sell your assets to recoup the $100 and the loan is settled. If you make no payment by the final payment date, I sell your assets to recoup the $100.

What do you think of that as a model?

I think it's very low risk and could be profitable. It's not my own idea, it's a model i see used alot of cefi platforms.