Finecoin has been paying every single day, and the bonus percentages being payed out in their staking is extremely realistic. People have been complaining about the "low" bonuses, but the truth is, all of these systems/platforms that paid high interest rates didn't last long. Bonuses are between 0.50% and 0.60%, sometimes slightly lower right now.

The hosted staking system has slowly been proving way more sustainability then lending. I am happy with Finecoin right now, and I think it is one of the few platforms that will last.