I mean if the platform never hold any coins, then maybe it safer. All transaction is direct from lender wallet to borrower wallet.
If borrowers are required to deposit collaterals on smart contracts, there is still a risk that they'll lose the money if the contract is hacked. Maybe you could try making a smart contract where the collateral will be transferred to the lenders when the borrower starts accepting the deal instead, so there's no fund being held anywhere. The status will be more or less locked with a signature if that's even possible. I don't really remember a contract or a project with such an option though, so maybe you can be the first (if that's your goal).
