The biggest pro would be that it allows people to earn money whether you had much from the beginning or not. On top of that transferring money would be a lot easier.
The cons are that there are transaction fees for using it and earning money is not guaranteed. It can be very tricky.
These are always the rules of trading and investment, they provide you the platform and for which you pay the transaction fee, I think we do not have any objection with the transaction fee but the problem is that the high transaction fee, which some time even exceed the original amount.