come on, do not just look and make a decision from the rating site alone. there's a lot of analysis you have to do and if you miss it, I'm sure you'll get stuck.
Of course not.
www.welltrado.io was pretty easy for me, because I have been investing in P2P lending platforms while also investing in crypto. Even contacted one of the partners(due diligence) , where I have already invested.
My biggest concern is if they can convince crypto - which let's realize it, is often first time investors, to try something new. I think most of them think investing in a crypto-index is smarter.