Not really - this logic is flawed, because your just automatically assuming that BTC is going to go up every year, which is usually not the case. We saw a huge market crash the last year, and this site is promising guaranteed returns of 8 percent a year. Just give them your money and you'll make it back.

This site doesn't actually look so bad, and I think it works off something like this.

- They raise capital via user funds, by offering pretty high rates
- They then use the funds they raised to fund safe high interest loans, that have collateral behind it.
- They make money off the spread.

Look at the stats, interest rates are capped at 8 percent a year and the credit they offer is min 8 percent. Actually seems like a pretty good idea...