One is in ico stage, the other one is very vague, with the swings other than BTC has, I would find it very hard to get any decent collateral from these kind of operators. If you default, and the coin goes to 0, they need recourse. Doesn't mean it can't happen, coin holders will need access to loans for sure. Liken it to the domain space, unless you have a short 2L 3L, or a one keyword .com, nobody is really going to loan you anything against it.
For fun I registered Cryptolateral, hand reg, if it sells, I will kick you back a %, for planting the seed.