That is a loaded question. PagareX is a HYIP Lending platform, much like BitConnect. If you are in early, like now, it is safer but far from safe. There is the chance to make a good return on your investment, but you need a good strategy and an even better exit plan. Recover your initial investment ASAP. Do not lend anything at first. Stake, let the value of the coin rise, withdraw your original investment, and then consider lending. In my opinion, staking is the better option. Get the 10% staking rewards for the first 6 month...pull the bulk of your profits, and then if you feel like lending, go for it. Just my opinion.