I usually develop a strategy of taking out my money as soon as I can [ plus some profit say 20%] then let it ride. If the platform crashes at least I have my capital and then some. That way I am ready for more action.
Personally I am interested in a lending platform that has a credit card {??} attached to it. That way one can spend the money earned and the company can make some money else where.
I am researching USI Tech and their record is seems to be solid so far. Keep tracking.
Credit cards would be nice but it defeats the purpose of crypto-currency right? Like you can just use PPC and pay with credit cards, rent some referrals, click ads and make money :)