Lending I am assuming you are referring to Bitconnect, Hextracoin, Ucoin, Ethconnect, DavorCoin, and etc.. whereas you lend them money to invest and they pay you daily interest based on the volatility of the market. Onix is different because they are lending out the money to the people to spend. The similar comparison would be SALT. Correct me if I am wrong. The idea behind it its good, I just feel like they are not ready to take this to the next level, especially the sudden market cap inflow in the past two days & the lack of customer/investor support, worries me a bit.