> I don't know what over-collateralised loans are to suggest a solution, A loan ... | Hacker News

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		dragonwriter on Aug 23, 2020 \| parent \| context \| favorite \| on: Blockchain, the Solution for Almost Nothing > I don't know what over-collateralised loans are to suggest a solution, A loan with a <100% loan-to-value ratio to the value of the supporting collateral, like traditional mortgages.

takeda on Aug 23, 2020 [–]

Ah, I think I understand, because of the home + the money I already put in in it?

Why does that have to be decentralized? I already can make a loan against a mortgage and to do it I don't need to use as much of energy to power Switzerland.

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