If there will be no change with annual interest rate of 4.08% in coming months and when bitcoin will be having value like $2000/$5000 or $10k levels, I guess freebitco.in's this program may beat lending business as daily interests are being paid in BTC value not in fiat equivalents which may grow along with bitcoin value.
Is there any possibilities that freebitco.in will not change their interest rate so that I can have some higher-end plans for passive income generations ?
not really. Total Rate = 66.75 %/year my current poloniex lending rate