Trading is very hard and you could easily lose money and time by trading. If you want to trade, start with small amount, about 1% of your portfolio
And why ICO lending? There are tons of good projects instead of those evil ponzi schemes. Simply holding BTC, ETH, LTC or NEO, NEM ... any top high quality coins is already highly profitable.
For trading, the most important thing which you need to have is some very good amount of knowledge related to that of cryptocurrencies and above all you need to learn the trading techniques first. I will suggest you to increase your knowledge first and once you will be having sufficient knowledge, only then you should jump into trading. Otherwise, you will end up losing money.