I am not comfortable with lending programs, as we have seen many times that scam ratio is too high. I prefer Forex trading, which is where you dont have such risk to face, at least if you are with regulated broker like I am with
FreshForex. I am not saying this is guaranteed profit thing, but scam is not a problem here.
Lending with cryptos is one of the high profitable investment when we can make a trusted website for that,but still it is not created yet.
But this is one of the must have business if the crypto currency becomes future of currency and most preferrable payment method to kill the traditional bank loans.
Forex trading is not easy as it seems and you need at least 3 years of experience for being profitable trader with proven track record. Lending with cryptos can decrease traditional loan requests but main problems exist because of collateral which doesn't have stable value/loan amount.