Which raises a giant red flag. If you actually are a professional lender, why are you paying out 15%-20% on these one week loans?

A professional would go purchase the coins himself and save 20%.  But you keep paying out 20% over and over again.  

I can see a legit user needing one loan, maybe two if they handle their money poorly.  But a professional lender who keeps borrowing over and over and paying interest?