All the people crying scam and ponzi have not yet figured out that all these lending platforms are different versions of a system that was originally pioneered by Bitconnect, and the concept works as long as there is rising token value and rising value OR volatility in the crypto space.  Do any of us look at this as some kind of long term set-it-and forget it investment that does not require your attention like Bitcoin itself?  NO.  I do not have time right now to explain my investment thesis on the micro niche that is the tokenized crypto lending space, but I will when I get home from work tonight.  The bottom line for us that DO dare to play in this lending game HAVE A HIGH RISK/REWARD profile, and we win some and certainly lose some.  But for the 1 year time horizon, I have done my own research and for the portion of my portfolio that is allocated to high risk-reward I have chosen to long LCT.  Haters gonna hate.