There are no PACMIC contracts available, correct?
Why would anyone get those is beyond my immagiation? True, ROI s a bit faster since they do not charge fees but after you reache 105% ROI, you get your money back and the actual miner Bitmain bought with the money you lend them stays to them. Basically, this is just a fancy product where you guys lend money to Bitmain at 5% rate for four months.
Except all the risk is on the buyer they already got the coin but if difficulty increases dramatically it will be much more than 4 months