I am going to flag up 3 things -

1) The softcap was hit almost immediately and then rapidly slowed. It seems suspicious that a money-back guarantee was only set up to this limit, meaning any new investors will have no recourse if things go wrong. I wonder where that initial investment came from?

2) The only responses by YieldCoin are to comments by active members. Further, aside from these two active members all other comments are by brand new users. Is YieldCoin perhaps having their employees/associates with vested interests commenting with positive messages?

3) No single point of failure is great, only if every other point is strong enough to withstand the failure. Is there evidence that each business model is strong and profitable? I am yet to see any balance sheets or any financial information confirming these companies. Until then the multiple points of failure argument is surely moot?

I appreciate these come across as detailed however as an investor one must always be looking at the deeper picture...