They have a good platform going, that much I can say. I am not sure of their intentions when they started but I can see trading bitcoins will allow them to pay this kind of return. The referral program does not mean its a scam. Multi-level marketing does not mean scam, I made that mistake and stayed away for a month. It is a legit Marketing strategy that can be substituted for traditional marketing.
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Marketing strategy is just how you sell it. Numbers are not sustainable.
The returns are not guaranteed on the $100 loans, some days there there are no payments on them. For the loans that returns are guaranteed, the return is low in regards to average gains possible with trading bitcoins. If profits from trading bitcoins should drop there should be enough time there to adjust guaranteed returns; and again they are low. 0.1%, 0.2% & 0.25% per day.