If yobit could guarantee the payment every day for at least 365 days straight that would be 72% annual interest which is way more than any banks offering right now, at least in my country most interest rates are around 23% max but they are banks, yet what other exchanges or cloud mining services which they own their own mining pools as well are offering is a very good deal IMO
There is no way in which Yobit can guarantee this
Or any other cryptocoin exchange out there, for that matter. They could provide safety in respect to loans since this is not very difficult to implement technically (provided you know what you are doing), but they can't give you a genuine guarantee of any kind that they are safe from being hacked (or scamming and running away with your money). We should remember that Bitcoin remains Bitcoin, and once stolen there is no possibility of rolling back or undoing the theft in some other way