The credit market is indeed massive and there's big opportunities for blockchains to tap into it.

Using stable assets as collateral makes sense though I hope as time goes on stable assets comes to mean non-central bank governed coins.

Tezos smart contracts are some of the most robust in crypto today with suites of testing for bugs and rollup infrastructure with capacity to scale up to real world use levels.

If Hive is making serious financial applications I hope the developers consider building on Tezos.