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I would say it is not a scam, the only way it is a scam is if the are using new loans to pay old investors and there is no need to do that. I ran some simple math and saw where they can easily make a 2.78% daily return with 36 people loaning $100 to buy 1 bitcoin for $3600 and bitcoin value just going up by $100 to $3700. Out of that they can pay you $1.78 and they keep the $1.00 as their profit.