I'm pretty sure this is just hype and things will go back to normal again in some days.
Though, it's interesting to see what the Ethereum devs are about to do to solve the scaling problem. If ETH wants to become a global Player, it's now time to find a solution.

There is no borrower needed. IF their lending will work like every other lending coin, they will use the lended (locked / STAKED) coins to run their trading bot and gain the profits with it. Just research Bitconnect, Regalcoin or Hextracoin for more Information.

So maybe just don't call it lending, it's more like staking but you don't get tokens back, only USD$.

If we see how other similar coins grew in the past, it's definetely worth a look.

First of all, the price of the token has nothing to do with the interest you will gain. If you lend them, they are locked, you won't get them back.
An example:

You buy 100 Tokens @ 1$ today.
You lend all of them - so your Investment is 100$.
Now you get daily interest, UP TO 50% per month - so you will get back 50$ each month. $, not the token!!
After 150 days (5 months = 250$ interest till then) you will get your 100$ back and end up with 350% in your wallet, which will be able to Exchange for new tokens or probably ETH/BTC.

Very cool! I'm going to take part in this. Thanks for sharing!

You buy some tokens, at least worth 100$, and lock them on their platform. You will get up to 50% ROI (so about 50$ back every month).
The capital will be released after a period of time (i think 150 or 180 days). You will probably get back USD$ instead of POS though.
You will be able to convert your earned USD$ to BTC (ETH?) or POS.

There isn't much Information about their lending service so far, but that's how all the other lending coins work. A big plus is that with POS your capital will be released much earlier than with other coins like Bitconnect (280 days).

POSToken devs announced that their token will be available for lending, starting at 15th of December!

https://bitcointalk.org/index.php?topic=2110712.0

Isn't this great news?!

Nearly all competitors in the last weeks (Regal, Hextra, Western, Ethlend...) skyrocketed in price. Regal is at 47$, Hextra at 32$ ... where will POS Token go? Right now it's still available very cheap, for under 1$ on etherdelta. I think it's a great opportunity to buy.

What are your opinions? I'm going to fill my bags 

There seems to be no particular reason for the current pump so i expect a correction soon (probably in the next 48 hours).
Bought at 1$, sold at 2.35$, buying in again at 1.95$ 

Probably the recommendations of the previous people here are good, but i wanted to share that I, personally, put ALL of my savings in cryptos. Why? I only had 1000$ 

I can only advise to diversify between the assets and use Poloniex & Bittrex next to Binance.

Well Etherdelta lists the biggest amount of tokens compared to other exchanges.
You might try coinexchange.io - never used it before but they have listed a lot of tokens as well.

Personally i don't see a dip since mid of November 

Since then the price keeps rising. Just watch the 1month charts. Stratis was bleeding the last 2 days like every coin due to the market correction after a huge pump. I'm also filling my bags!

Ripple is a great Investment. It's a solid project that already attracted many users (banks!).

Though, i don't think that the price will skyrocket at any time. They need a stable coin with low volatility for their purposes. It will probably stay around the 0.25$ mark for some weeks and may grow to 0.5$ - 0.7$ in 2018. For me it's a good long-term investment.

I agree to the others, those coins usally get ONE big pump before they are dumped to the end.
I sold at 0.15$ and made 300$ Profit from dust. Very happy since the price only fell since then 

I agree that it's not too late to get into Bitcoin. Though, i think there are a lot alts that have the potential to overtake Bitcoin in the long run (years...). Also, from an Investor's side of view, Bitcoin has already reached a huge marketcap, so it MIGHT BE harder for BTC to achieve even higher spheres.

I don't believe in Bitcoin, i believe in the blockchain & cryptocurrency technology.

I totally agree with Stellar & NEO!

But honestly i would replace Monero by Pivx & Zcoin (maybe also Aeon). Don't get me wrong, Monero is a great coin, but it already had a brilliant rise this year while other privacy coins still have a lot potential.

Well predicted, sir 

What do you think about Lisk and Vertcoin in the short-term (3-7 days)? I'm expecting a rise in both (due to Chart Analysis + News)...

I already sold about 50% of my Investment at 35$. Very nice Profit. Im will hold the rest until the end of december; going to sell 25% then and putting the remaining 25% into lending to get more Hextracoin Gold.

I'm watching this as well, got 2000 BTCred from the airdrop. 
But i will still hold until it reaches 0.2$ and sell then. I hope the pump lasts some more hours...

For all those referrers out there: Registration doesn't work. I tried multiple times. They miss to send the activation link or just don't allow additional users anymore.

The NEO pump was so nice!
Bought at 29$, sold at 47$, bought in again at 37$. Same procedure with GAS  

For the future days, i can recommend these coins:

GRS Groestlcoin - awaiting roadmap
NEO - big news will be announced (maybe only ICO platform in china soon)
SYS Syscoin - always swinging betwenn 0.20$ and 0.24$
KMD Komodo - swinging between 2$ and 2.70$ (already hit 2.48$ by the time of this post)
XZC Zcoin - awaiting listing at binance (community coin of the month)

It's kinda easy - just register on their site.

Current HXT price is 32.08$. Withdrawals work, but may take around 2-3 hours. Their internal exchange feature also lists 24h volume as well as 24H high/low. Daily profit is about 0.87% so far.