I will pick you up on your offer, you can use my referral code https://bitconnect.co/?ref=dwainryan or just type dwainryan as your sponsor.

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.