Mr. Vod and Ecuamoby:
The collateral remain in the hand of Lender. He could close the loan at any time and whitdrawal all the amont deposited. I cannot access to this account!
I done this because I receive a fee for each account i open.
This is a fully reliable collateral. and it whitdrawable at any moment.
Opening a account for your behalf and depositing 1.5 BTC is not considered collateral because it might be your site that you went someone to deposit too or one of your friends and your going by the guarantee of a site that the BTC is easily withdrawable.