Do I get it right - this is a sort of a staking program? But, compared to projects that offer staking option, you are just a fund holder, while they  provide staking (holding) their own token or coin.

So the question is - if they pay for staking with their own altcoin, where you get funds for paying for holding ? Only from penalties if other users withdraw? Otherwise it looks like a Ponzi scheme.

Why would people wish to hold funds in your service, if then can hold them in their own wallets?