I am a little skeptical about online lending. I'd rather lend to someone who I know personally than transact with a person over the net. That is why I am simply just holding my bitcoins right now and just waiting for the opportunity to sell. I am still looking for other investments that would not require me to monitor it on a daily basis. Something that gives me 15% annually as passive income would be great.
Investing with a lending business is really going to be a risky business if you are going to make that business online. Because out of the internet as we know there are a lot of people who are going to be a good borrower at first but after receiving the bitcoins they need. They will just suddenly forget you even though they have their own collaterals.