Check out our new blog post!
https://medium.com/@coinloan/the-reasons-to-trust-coinloan-ico-e52a74a5ffda

We often receive this question. Here are the main differences:
1. CoinLoan project will be launched in Europe and licensed as a payment institution. This allows working legally and providing services all over the world, excluding those countries where a local license is needed. We will try to obtain a license in other countries (including those in Asia) depending on the amount of the raised funds.
2. Any individual or legal entity can act as a lender and provide loans or as a borrower and receive loans. No licenses are required for this.
3. The minimal amount of the loan on the platform is $50 (also expressed in other currencies). This allows providing microloans. The maximum amount is not limited.
4. All applications for providing and borrowing loans will be processed automatically and immediately.
5. CoinLoan Tokens (CLT) will be used for paying the fees on the platform for receiving and borrowing loans. They form an integral part of the system which provides the high demand for them at the market. 
6. The borrowers will be able to evaluate the risks related to the cryptoasset volatility and set the LTV (Loan-to-value ratio) at their sole discretion (from 10 to 70%).
7. Loans can be provided or borrowed in many fiat currencies (USD, EUR, GBP, CNY, JPY, RUB, CHF). This list will be extended as the platform is developed.
8. Various cryptocurrencies (Bitcoin, Ethereum, Litecoin, Ripple, Dash, Monero, ZCash) can be used as a collateral. This list will also be extended. We'll try to cover all popular cryptocurrencies with a high capitalization rate.
9. We will focus on convenient and fast methods of depositing/withdrawing fiat funds on the platform with a minimal fee. E.g., instant withdrawal on any bank card, local bank payments, conventional international SWIFT-transfers, etc.
10. We don't prohibit placing our tokens at the exchange, in fact, when ICO ends we'll try list the tokens on the largest cryptoexchanges.
11. Also, we'll try to provide the most profitable fees and lending conditions on the market.
12. Borrowers will have more discretion in different market conditions which affect the value of the cryptocollateral.

However, we are going to support some ERC-20 tokens as collateral too, but a little bit later after launch.

Ознакомьтесь детальней с WP - мы там подробно расписали механизм работы с рисками.
P.S. Pre-ICO закрыли, собрав $550k. Русскоязычный топик давно не обновляли.

Вы можете выбрать LTV самостоятельно, и взять займ под 50% от стоимости криптозалога, тем самым снизив риски, связанные с волатильностью.

Почитайте внимательно FAQ, на странице токенсейла:

Why there are no transactions on the block explorer at my deposit address?
Each ICO participant has a unique deposit address for Bitcoin and Ethereum. This allows sending transactions from any wallets and crypto-exchanges. This system has been implemented due to the particular nature of our token model because we need to tie the token value to the fiat currency.

Хороший вопрос. Мы проработали разные ситуации, можете ознакомиться в White Paper начиная со страницы № 10

Only a few minutes left until Pre-ICO end! Don't Miss Out!

Pre-ICO Ends in Few Hours! Join Now: https://tokensale.coinloan.io/

Great news! We added three languages ​​to our website: French, Chinese and Arabic!

Selling virtual currency used to be the only affordable solution when there was a need for fiat money. This led to a loss of possible revenue from the further appreciation of cryptocurrency and additional costs: financial, associated with fees on exchanges, and temporal – from the moment of cryptoasset sale to the actual receipt of fiat money.

CoinLoan offers a different approach: our users will be able to receive real money in any available currency secured by cryptoassets. The system will select the most suitable option for the borrower from the set of counteroffers for lending.

It will depend on the destination country and shipping method chosen.

As you wish. You can use fiat or crypto, which will be converted by current market rate into fiat.

We will do our best to make debit cards with Apple/Samsung Pay available as soon as possible.

We preferred the ICO crowdfunding to a traditional venture system in our project implementation. Firstly, it will allow anyone who feels like it to become a contributor and profit from the tokens appreciation in the future or pay the fees to the platform in them. Secondly, it will accelerate the funding process and the launch of CoinLoan, and thirdly, the ICO is a transparent, modern method of fundraising.

There will be no rating system on our platform. You can don't repay a loan, it's not a problem, but your crypto-collateral will be sold.

Please, clarify your question. You can provide loans as a lender in fiat only. Crypto you can use as collateral for borrowing.

Institutional investors can cover any demand. They will be very interested in such service because we guarantee full repayment of funds with accrued interest.