Does Bitcoin or cryptocurrency offer loan service? Another discussion in another topic with a same title.

Bitcoin is built on Bitcoin blockchain and powered by a blockchain technology. It does not provide any service including loan service. What it provides is a blockchain on which people can build their services.

Both sides will have to rely on the DeFi operators and they can lose their coins if the DeFi platform collapses or scam exits.

Good and interesting question. Judging from the title, maybe the direction is a bit different from what you asked, as meant by @tranthidung. However, if you want to know what exchange platforms offer loans to individuals, I'll try to explain a little.

Now. This is an increasingly advanced digital era and this is one of the innovative and responsive solutions in responding to urgent financial needs without having to get stuck in the slow bureaucracy based on traditional securities.

I think this is not much different from banks when you look at their performance and for now large platforms also see this potential as you mean by offering loan services in the form of cryptocurrency loans and they are exchange platforms. Take the easy example on the Binance Platform for example. What needs to be noted here is of course the terms and conditions for each are different and this is based on the legal jurisdiction in which they operate both in terms of identity verification, credit assessment, and volume and liquidity for those who will apply for a loan.

Possible on third party apps or wallets I guess. Never tried doing so and neither having plans. Through the idea of Loan,  there would be an interest on the mount you will borrow and I think it would be better to borrow fiat amount than directly cryprocurrency for the fact that the value of your loan would increase everytime prices go up unlike with fiat loan wherein the amount would be the same plus the interest. Still, I won't suggest taking a loan to a risky investment. It would be only okay with properties or real estate given that consistency with price increase on the mentioned asset, exist.

To my awareness, there are no exchangers offering such thing even with centralized ones. It would be more possible with online baanking which accepts crypto as payment but I'm not quite sure of the terms.

Bitcoin does not offer loan services because it is individual, so if someone wants to buy it, he buys it with his own money. Perhaps, if someone signs up for a third party service, some services offer loans to their members so that people can borrow money to buy Bitcoins. But you have to watch out for this because usually there will be requirements that are difficult to fulfill, but we don't know the truth.

And if you want to create a company with a service to borrow money from members, you have to ask the members for guarantees so that if your members can't pay off the loan, you can take the guarantee.

Op this your question looks like this, does dollar give loan? How do you feel the question now. Dollar never give loan as well as bitcoin. But individual who uses bitcoin can give loan which can be found in
Lending Board . So you can go there and read the rules and chat up any Lender and if the T/C are okay with you then you can collect the loan. I will still say NO bitcoin does not give loan but the users.

Banks are controlled by people and are a business that is run only to earn money, and giving out loans is one of their most profitable products to earn money, while on the other hand, Bitcoin is decentralized and isn't in anyone's possession, so it doesn't need money, so there is no need for Bitcoin to provide loans for people only to get some interest.

If you talk about exchanges or some other platforms and protocols like DeFi protocols, they do offer loans to their users and charge interest from them since they are not decentralized and the people behind them need money to run their projects and pay their workers.

I don't think that there is a crypto that offer loan service, but there are some people who does that in crypto they offer loan in form of crypto currency.
The criteria or requirement would be up to them, but I don't really see why people would want to do it if they need money why not loan Fiat in order to avoid fees?
The only way that I think they would benefit from it (people who would take the loan) is when they use it to trade and then pay it back when the price drops down but we doesn't know when would it really happen and how long would it take.