If I am understanding correctly then this is how system works, right:
User A deposits x number of XRP, he will be given credits worth x-n% XRP. The n% will be distributed to users who have bought credits before User A. This chain will continue. So the people in the starting of the chain will be most profitable while the people in the last will be most prone to losses.
Interesting concept, but this is somewhat similar to pyramid scheme and such projects don't last longer.
This is not actually a pyramid scheme and each user who hold XRP on the platform has profit. The eco-system is build to feed all holders. The
jackpot party game which is currently at 930 XRP feeds dividends to all users for all party pack purchases that are made to take part in the jackpot.
Also,
HODL game enables you to earn all those dividends if you HODL long enough when users sell their credits.
You can join their
telegram group for any further query. They are quit active on their telegram group.