Returns of 8-10% is very good in general terms. I agree that will be a huge investment opportunity for people who are not in crypto.

I am unable to understand the maths. Lets take an example. I lend 1000 NCL (@ rate of $1.5) of value $1500. After 180 days my $1500 grows to $2500. At that time NCL rate is $40 and hence I will be paid back 62.5 NCL. So I have in my hand $2500. Now, had I just kept and hold on to the 1000 NCL, it would fetch me $40000. Even If I hold on to $1500 worth of BTC, it will give me far far more attractive returns. The price of BTC when I purchased 500 NCL on 25th Nov. was $8300 and it doubled since then. Leave alone, the daily flow of various legitimate transparent and also lucrative, ICO opportunities. Now why will anyone in crypto like the 8-10% returns in lending. Agreed that 8-10% for people who are not in crypto is lucrative.

I would like to understand this. Am I missing something.