This kind of project is not that unique, are there already potential clients for this? I think a lot of people already learned a lot from Bitconnect. I don't even have to check the website to see if they will be transparent regarding the team behind this project.
Yes, every lending program can be operated differently. But if done right, it can be very profitable.
Usually lending platforms attract huge amount of investors because each investor would like to get a good interest rate to his/her principle and to multiply the funds soon. Thats why lending platforms gain much popularity i guess.