It's more like an HYIP I don't prefer that I prefer holding my Bitcoin because it will just grow on its own, many have invested on programs that promises a return of investment for a period of time and that's a Ponzi scheme or HYIP, and experts are warning people not to go for it, just keep your wallet safe and you are ok.
Well if the rates are reasonable and backed with solid business then it's not HYIP. HY in HYIP stands for "high yield". The reasonable yearly rate for these investments should be around 8%-15%. For example Binance lending section. While I haven't read more about how they use the money (probably for their margin trading user), their rate is about 6-10% per year for fixed deposits which is very reasonable and seems legit.