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 any exchange is going to make any guarantees like that, you can lend your money in poloniex to traders, but there is not guarantees that there are going to be takers for your loan offers or that people will want to pay the rates that you want, so you must take that into consideration when calculating your possible profits when lending.