I don't think so, they use the blockchain for their platform because they can run their business the way they expected, even if anywhere in the world lending is one of the most profitable business because people will borrow money in the event they are on desperate need or even to have funds for business expansion. Borrowers have different reason so lending business will progress, the competition is big in the real world therefore they are starting a more revolutionary changes which is using the blockchain.
but i think your explanation is about are peer to peer lending, not a platform with lending bot, that use HYIP marketing plan,
in this case i just want share my opinion about altcoin with lending program thats use refferal program just like a HYIP or ponzi scheme
not a platform with peer to peer lending platform
thanks in advance for your respond
regards