Your 200,000 valued at $641 (not $745) would have to be transferred to an escrow or the lender. I doubt either would get involved in the exchange of an account which would be rather messy.
Furthermore, the price is on a downwards trajectory, so the 125% collateral on loans rule is fast evaporating (then there is the fact you have just woken up after a nine month slumber)
You'd be better off selling them now and buying them back later at their lower price.
"locked staking" -> impossible to send or sell , also he said the 745$ will be 235,000 coins from the staking reward.
What did you read mate?
I think this collateral is hard to deal anyway because of the really low trading volume of the token.