Lenders keep control of their funds via API KEY. Basically is RISK FREE , they could run away with all profits eventually.
That's not "control," and is completely false and misleading. An API key is not the same thing as a private key. If my funds are locked in your service with the only access I have being an API key, that means that I have
no control. The API key, or the service as a whole could be disabled by you at any time, and I don't see anything that guarantees you won't do just that once the funds are deposited.
Not to mention that your service smells like a ponzi scam to begin with.