I checked those changes that they made. lending program has been changed to something called a bank saving program, but there is lack of information in their whitepaper, I can't find any details about this program will work. The whitepaper is poor for me, 11 pages and only few info.
I think they already updated there white paper and road map kinds of stuff? So I am little confused why there are still complaining about that topics.
spend some time on open their pdf file [ whitepaper ] ans se if they made any change instead of just read news, they just replace " lending program " with " a saving bank " in roadmap and on whitepaper, they just removed lending program and they din't add any section that explain saving bank or even no basic info.
I agree with users above. However, if you still do not know everything, try to contact them via a telegram or PM. If you receive an answer or you will find out in a different way, just write here.