Even if this isn't a scam, the return and terms are ridiculous for this market.  As soon as this is a real alternative, like Colored coins or Mastercoin or whatever solution people come up with, Havelock will most certainly close.  They offer nothing new, and don't even meet the standards that other exchanges had (and even they closed).  The site is ridiculous from an user standpoint and is the biggest obstacle to user adoption.

So, the future of HL is fragile, at best, and paying 6% for that kind of risk is ludicrous.