If someone made a legit and regulated lending platform I would love to start investing in people's projects but I cant trust BTCJAM after seeing so many scam accusations. I think that BTCJam should force people that want money to record a video and prove it's them and also FORCE a collateral, always or people will keep scamming.
We need a conventional bank to accept bitcoin before we can reliably save and borrow bitcoin. That means a regulated bank.
A regulated bank with bitcoin, how does that sound and how would that be implemented in the first place? Regulation is not possible with cryptocurrencies or the whole essence is lost! For a way to invest your bitcoin, I suggest to take some action yourself - do what Walmart did, living at the mercy of other site owners most often, leaves a bitter taste in the mouth. Best investment I have come across so far in the cryptocurrency industry is to buy low and hold till it's profitable.