How do you know that they could easily afford to pay off all the lenders immediately? They are not transparent with this kind of information. Only way you could know that they can afford to pay off all the lenders is if you blindly trust them without them providing any evidence, knowledge or information. Being positive is generally great, but being too positive is ignorance and ignorance is evil, the only good is knowledge.
Its basic math really, if i bought 10010$ worth of Bitconnect in may, i would have gotten 1250 ish coins for 8$ each, staking these coins would have provided me with an additional 300-400 coins, my total amount of coins + extra minted coins would be worth a total value of 214.000$ dollar if i sold them now 120 days later.
Now if i lended it into the Bitconnect platform for 120 days like most did, bitconnect pays back the principal amount of 10000 + around 18.000 in acrued profit from lending it to bitconnect, so after 4 months i get back 28.000$, bitconnect who has been staking "your" coins all this time makes 186.500$ as they only need to return 215 out 1250 invested coins back to you at the current value of 130$ per coin.
Also, if they keep the other 1035 coins as their reserve, these coins also mint an additional 82.8 coins per minting period, again 10.764$ in the pocket of Bitconnect and this process keeps going as the coin rises in price they need to give back less and less of it, so they acrue most of the minted stakes themselves, causing a snowball effect.
For bigger invested amounts the math stays the same, they just made more money and we people are happy with 1% per day without the risk of the coin collapsing, in this instance Bitconnect is the bag holder, it just turns out to be making profit holding them and they make money of people trading on their site aswell. (Which translates to roughly 530.000$ monthly aswell)
I personally dont know if they have a bot, but they could just run a half assed Gunbot at this point in time, they have the funds to play with and a Gunbot isnt really rocket science either, now compare this system they have in place vs a bitcoin doubler site, bitcoin goes in, more bitcoin comes out is completely diffrent, that why i personally won,t go near sites like thunderbit, Ambis, Control Finance etc on those sites, there is no basic math that you can do to them to see if they are making any money, they just have a "bot" and that supposedly pays out 10% profit a day.
Yes it have indeed kind of worked so far because the amount of users, lenders, holders and stakers of BitConnect have been rapidly increasing BUT try do that same math with decreasing or stagnant amounts and you will understand that it is a ponzi scheme because it will not work anymore when the amount of new money comming in stop rapidly increasing, they would not even be able to pay back the lenders when the amount of new users, lenders, holders and stakers start decreasing or stay stagnant instead of rapidly increasing.
Let me provide you an example what will happen when the amount of new money stays stagnant so the price of BitConnect tokens remain the same. Lets imagine it stays stagnant from now until end of december (120 days)
Its basic math really, if I bought 10010$ worth of Bitconnect tokens now, I would get 76ish tokens for 132$ each, staking these tokens would have after 4 months provided me with an additional 24 tokens, my total amount of tokens + extra minted tokens would be worth a total value of 13200$ dollar if I sold them 120 days later.
Now if I lended it into the Bitconnect platform for 120 days like most do, bitconnect pays back the principal amount of 10010 + around 18,000 in acrued profit from lending it to bitconnect, so after 4 months I get back 28,010$, bitconnect who has been staking "your" coins all this time makes still make a loss of 14832$(18000-3168) as they need to return 76 out 100 invested coins back to you at the current value of 132$ per coin. So from a 10010$ loan they make a net loss of 14832$.
Now an example of what will happen if the amount of new money decrease hard so the price drops 50% to 66$. Lets imagine it is decreased from now until end of december (120 days)
Its basic math really, if I bought 10010$ worth of Bitconnect tokens now, I would get 76ish tokens for 132$ each, staking these tokens would have after 4 months provided me with an additional 24 tokens, my total amount of tokens + extra minted tokens would be worth a total value of 6600$ dollar if I sold them 120 days later at the price of 66$ each.
Now if I lended it into the Bitconnect platform for 120 days like most do, bitconnect pays back the principal amount of 10010 + around 18,000 in acrued profit from lending it to bitconnect, so after 4 months I get back 28,010$, bitconnect who has been staking "your" coins all this time makes still make a loss of 16416$(18000-1584) as they need to return 76 out 100 invested coins back to you at the current value of 66$ per coin. So from a 10010$ loan they make a net loss of 16416$.
Now an example of what will happen if the amount of new money increase "slowly" so the price drops doubles to 264$. Lets imagine it is increase from now until end of december (120 days)
Its basic math really, if I bought 10010$ worth of Bitconnect tokens now, I would get 76ish tokens for 132$ each, staking these tokens would have after 4 months provided me with an additional 24 tokens, my total amount of tokens + extra minted tokens would be worth a total value of 26400$ dollar if I sold them 120 days later at the price of 264$ each.
Now if I lended it into the Bitconnect platform for 120 days like most do, bitconnect pays back the principal amount of 10010 + around 18,000 in acrued profit from lending it to bitconnect, so after 4 months I get back 28,010$, bitconnect who has been staking "your" coins all this time makes still make a loss of 11664$(18000-6336) as they need to return 76 out 100 invested coins back to you at the current value of 264$ per coin. So from a 10010$ loan they make a net loss of 11664$.
Now an example of what will happen if the amount of new money increase "decently" so the price drops quadruple to 528$. Lets imagine it is increase from now until end of december (120 days)
Its basic math really, if I bought 10010$ worth of Bitconnect tokens now, I would get 76ish tokens for 132$ each, staking these tokens would have after 4 months provided me with an additional 24 tokens, my total amount of tokens + extra minted tokens would be worth a total value of 52800$ dollar if I sold them 120 days later at the price of 528$ each.
Now if I lended it into the Bitconnect platform for 120 days like most do, bitconnect pays back the principal amount of 10010 + around 18,000 in acrued profit from lending it to bitconnect, so after 4 months I get back 28,010$, bitconnect who has been staking "your" coins all this time makes still make a loss of 5328$(18000-12672) as they need to return 76 out 100 invested coins back to you at the current value of 528$ per coin. So from a 10010$ loan they make a net loss of 5328$.
As you can see the system is not long term sustainable at all, the price of BitConnect token would need to octuple every 120 days for BitConnect to turn a profit. This might work for a while, probably max 1-2 years and after that BitConnect will start bleeding money and become insolvent and lenders will get a huge haircut or straight up lose all their money.
Also your approach is wrong and you are a little bit confused. The BitConnect tokens deflates an equal amount so you don't really gain anything when you get new tokens from staking because the price goes down an equal amount. When the price remains the same or goes up in value its because of an increasing number of new money entering BitConnect.
Imaginary example for even a dumb person to understand this:
Lets say 1$=1€
Lets say in the world there a total of 100$ and 100€
Lets say 100$ more is printed so there is a total of 200$ in the world
Now 2$=1€ instead of 1$=1€
