Hi @safetony
Thank you for sharing link to your publication. It's already a bit to old to upvote it :(
I've never heard about BlockFi. However I'm not much into investing (I'm fully into steem blockchain) so I will skip this opportunity.
Also "they will give you $10 worth of bitcoin as soon as you deposit $100 worth of crypto" does sound very fishy.
Yours, Piotr
Thanks for the comments, I think crypto lending is a strong trend that we will continue to see this year, hopefully something can be built to increase steem adoption, I don't think $10 is that much as their is a lot of competition in the space and you have to pass through KYC checks.