Summary by @tldr:

Even though we recently started collecting data, we feel we are able to make comments regarding short term trends at this point.
We are wondering if this is the miracle of life or if Cas did a test that resulted in a huge payout today (12.305% APR).
We are hoping long term with the plans to have the number of users of the site growing and verification working again, that the instants loan will be more used and we can get better returns.
Speaking of, Verification is back online today meaning new investors can get verified and apply for instant loans.
So seeing that there hasn't been a payout above 5%, we are a bit worried when the time comes we will earn considerably less.
It is noteworthy however, that the rates are somewhat in line with what you would be getting doing margin loans on an exchange, so we think this is an good place to diversify to.