My initial first reaction was that it was a definite Ponzi, but after looking at it more, I'm thinking it is unclear whether it is or not. There are definitely ways the system could payout, my current theory is that it's paid out of the company retained tokens that are appreciating in value due to the constrained market. Just look at the 1 year price chart, that has very little open market volatility you see with other coins, just a very regular price growth. So if the tokens were more widely traded on exchanges it could dilute it's pay out power. I don't think there is an actual bot trading volatility, but just a metaphor for it's undisclosed method of paying out profit. I cringe when people call it 'lending', because really time locked investing, more like a very high yield certificate of deposit (CD). So it's lending if you consider buying bonds or CDs lending! So I'm in for a certain amount, and will pull my original investment out after 3 month of payments, so it's a free ride of profits after that! But keep in mind it's not real until you pull it out of the system, so be sure to take a portion of your profits out in fiat, and don't reinvest EVERYTHING! I don't know if this is sustainable for long term or not, so I will be removing profits at regular intervals and if it is sustainable great. So my only risk is that it will die before the 3 months that I can pull my original investment out, which is possible, but I figure it could have longer than that to run.