All lending schemes ponzi. Why are you interested in them?
If you want, you can go for Bitconnect or Hextracoin.
So I think with a MLM coin, they need community for that. With regalcoin, I sure they have a good plan, for mineble, trading, lending. All lending programs is short days (99 days). You can refunds your money soon and reinvest if you interesting. Acording to me, we can join a little money.