From f5abce088f74f225ee63a97d1d74ab8e845694d6 Mon Sep 17 00:00:00 2001
From: Peter Bushnell <bushsolo@gmail.com>
Date: Thu, 15 Sep 2022 08:55:12 +0100
Subject: [PATCH] Fall back to 100% if there are no loan schemes

---
 src/masternodes/govvariables/attributes.cpp | 5 ++++-
 1 file changed, 4 insertions(+), 1 deletion(-)

diff --git a/src/masternodes/govvariables/attributes.cpp b/src/masternodes/govvariables/attributes.cpp
index 4227294687f..2ac0147c879 100644
--- a/src/masternodes/govvariables/attributes.cpp
+++ b/src/masternodes/govvariables/attributes.cpp
@@ -1215,8 +1215,11 @@ Res ATTRIBUTES::Apply(CCustomCSView & mnview, const uint32_t height)
                         ratio.insert(data.ratio);
                         return true;
                     });
+                    // No loan schemes, fall back to 100% limit
                     if (ratio.empty()) {
-                        return Res::Err("Set loan scheme before setting collateral factor.");
+                        if (const auto amount = std::get_if<CAmount>(&attribute.second); amount && *amount > COIN) {
+                            return Res::Err("Percentage exceeds 100%%");
+                        }
                     }
                     const auto factor = std::get_if<CAmount>(&attribute.second);
                     if (!factor) {