@Puppet, I really appreciate the real good work you have been doing with the cloudmining scam busting thread of yours.
However why so pessimistic about any investmenrs within the btc ecosystem? To generalize them all as bad is kind of weird.
My understanding is both btcjam and bitlendingclub are legit companies moving headquarters to San Francisco, backed by legit accelerator programs ans VC money. 15-20% apr and 4-6% default rate sounds pretty good to me. I started playing with both of those platforms with 1% of my btc and have now slowly inceeased it to ~5%.
However if there are legit concerns about them I'd definitelty like to know.