In Poloniex you can lend money. Would that count as loans? There are pre-mined cryptocurrencies like Ripple and Stellar that doesn't need proof of work to solve

In Poloniex you can lend money. Would that count as loans? There are pre-mined cryptocurrencies like Ripple and Stellar that doesn't need proof of work to solve the double spending problem, and thus doesn't need lots of electricity to work.