after what happened to bitconnect, i don't think there are courageous investor who would want to get into such lending model. quite interesting already to watch what will happen to the existing lending platforms. whether those developers are going to run and simply pretend the tokens they have are being dumped by their holders.
i have no idea what checqit offers but p2p lending platform still is no different to bitconnect.
Read the whitepaper first before comparing it to Ponzi coins.
Anyway, to OP, what is your Advantage over LEND (EthLend) and SALT? I'm sure you are aware that these two have the best Lending platform available in the market right now.