Hi,
I still study the complete story about Pos token and now with lending platform.  I did post previously that my concern goes to withdrawals..  Now after I carefully studied the lending site I have some concerns that will like to point out.  First of all the refferal rate is way to high and way to many levels to be sustainable on the long run.
If the 1. level gets 10% comission and 2.Level 3%......  all together id 17% see below.
Level   Rate
1   10%
2   3%
3   2%
4   1%
5   1%

So if I invest 1000usd imediately for lending platform that means 830USD as the 170USD they distributed among refferal levels...
We know what happened to bitconnect and they had first level in 5% so Im guessing this will be sustainable untill the price of token will rise.  As I checked the whitepaper that in my opinion lacks of information like who is behind the company operating the postoken.. Again if there are now names and faces behind the projects it is for a reason..

I liked the postoken as way of mine thru ETH smart contract but the lending site is to much ponzi scam written all over it.  Refferal of 10% is intended to attrack greedy people that will promote the lending and sooner or later the end will come like it was for bitconnect.
I would wish some lending platform was made like crypto funds like iconomy where you invest and of course thing can go up or down based on the market.   Not all day should be +interest it should happen also minus interest... so if market crash you feel it also.  If this is not the case then we have to consider the lending platform to be ponzi scheme.
This is my opinion and I know many people will jump inn like crazy not thinking twice as they only see +interests and nothing else.   
Here at pos token if the refferal where made to only 2 levels and with 1.level 3% and second 1%  and then finished it would be much more belived in...