A new type of credit line were the static allotted Fiat equivalent is matched to the market price of AMP which varies. The credit line would be traditional credit based on KYC and credit score like it currently is. AMP is held as collateral until fiat debt is paid off with accrued interest if anything. Reward points could be minted via layer two scaling solutions and distributed to all customer wallets monthly as part of one transaction instead of many for gas effectiveness. Select stable coins could be incentivized for for some sort of higher yield, i.e. Gemini could push its Gemini Dollar for increased monthly rewards from its partners.
This idea could also be used to expand into loans with the same premise. AMP is leveraged for future payments that would be collateralized until paid off.