Appreciate the fact that you created a comparison of these lending pools but honestly speaking, they are shady as anything.
The reason I say this, is because I have deeply probed some of the companies about the loan originators and they are often not clearing up this question. Many times I suspect these loans to be self-made/non-existant from where you are getting money at the moment but very soon going to end up like another ponzi scheme.
P2P lending is one thing but as soon a business comes in between them the legitimacy of the platform becomes grey. If you are the lender and you are directly lending to borrowers, then I would feel much more comfortable.
Now there are pros and cons to both. If you think they are good, then go for them - put your money there and good luck making some back.
I agree with you 100%. But than again, everything is shady, especially fiat banks - we all know what will happen if more than half population go at same day to cancel their savings and interest accounts in banks - that money is non existent anymore, just print print print, without cover.
I was burned to much with mgox back in days, then return to crypto when eth was 8$ and btc 700% in November 2016. Made profit like most of us byt end of 2017. Then burned some on scam icos and some small masternodes during 2018 and 2019. Learned many lessons so its same like comes and goes... I am not whining - on contrary- I adore crypto and I am grateful for all profit that i currently enjoy from it.
As I stated in post, I started at crypto com on July 2019, on Celsius on December 2019 and on Apyharvest on April 2020. I did not try blockfi, they had at time some security issue (compromised some user accounts). Few weeks ago, there was "incident" at celsius - when they almost lost domain, and nobody, me included, could not access wallet and it was all looking like they were hacked - not cool at all. When it was solved - we all learned that big celsius which holds 3.3 BILLION USD in assets have dns servers in godaddy personal account - which is IMO definition of unprofessional. Even I give them 8 not 9 on trust, security wise, i like most apyharvest approach - platform less - where there is no platform - nothing can be hacked. And their rates and personal bankers which reply fast and really dedicated. I do not like that they do not publish team and that they are not present in social platforms - but i respect that - again security wise. If something happen to Mashinsky - celsius is done. And really there is no need to be so much personally involved as key person. Nobody herd about Romeo Lacher, and i bet 99.99% of users here did not hear about Julius Baer (except those who live in Switzerland. Well, he is chairman of big Swiss bank, which hold assets larger than total crypto market cap...it is not point to show off, it is point to provide good work. IMO
