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There is no mechanism to stop someone taking an analogue copy of the picture with a secondary camera even if it's on Snapchat/a server somewhere and then "using" it later. The whole idea just seems poorly thought out. Unless the idea is for both sides to have mutual nude pictures of each other but then to hold them indefinitely. This just wouldn't work otherwise.

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That is why I mentioned the blurring. your lender can easily (or not so easily) screenshot the proof of nudity, but all they get is a blurred out picture that they can confirm face, verify identity, and verify nudity (while bodysuits and pasties are a thing, you can still blur enough to maintain SOME privacy while verifying nudity). While there is still room for abuse, it becomes not much worse than any photoshopped nude.

Same with relying on a third party to delete it and handle transmission. But, again, nothing ever really gets deleted which is where it falls through.

Completely off topic, but a google image search for pasties leads to a real 'one of these things is not like the others' moment.

I wouldn't recommend this. There are neural networks that can unblur many different algorithms with surprising accuracy.

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