You are right that if Bitcoin will reach a price of $100,000 in a year then it makes no sense to invest here. However, what if Bitcoin price will be half of what is today? After all, it used to be $1200 and now it's trading at $450. That's more than half of value lost. You are essentially gambling your money because you can't tell for sure that Bitcoin price will increase.

There is such a thing as low risk high return investment if you know what you're doing and there is an opportunity. The way it works is that we fund P2P loan applications. We analyse the merits of each application and also take into account social media discourse generated, i.e. people can ask questions and borrowers answer and we analyse this text data. For example, if you see lots of health related words, you may deduct that the loan is used in the health industry which traditionally has a low bankruptcy rate so it is safer to lend to. In addition, if a borrower doesn't answer a lot of questions that can mean that there are some problems with his business. People already make judgements based on these factors intuitively, what we do is create a mathematical model that can quantify this judgement. Once we have loans, we can trade with other peers and we can even sell at a premium. That means our software predicts what loans will be in high demand when they are traded, so we can only invest in those in advance that will generate the most profit for us later. It is like forecasting the future with some certainty by learning from hundreds of gigabytes of historical data. It is no surprise that our software makes much better decisions than most normal people on these crowdfunding sites when deciding where to invest and how much. It is also no surprise that we achieve much higher returns than market average while taking no excess risk.

The way we have instant access to the invested capital is that we usually sell all loans for projects within a few days. That means a whole investment cycle is completed in a few days. At any given time, about 30% of the total capital is in cash and in a few days we can exit almost all our positions usually (up to 90%).

In summary you are right that it is impossible to tell for any one person which projects will generate 10% a year, but if you have lots of data and use mathematical modelling that takes into account hundreds of factors, then that's a totally different way to approach the problem.