I have recently came across them myself. Huge scam, stay away! Anything that has your funds locked up for up to 299 days it's a scam. There is no financial instrument that has 40% per month return!!!
If you're looking for a legit lending business check out poloniex and poloniexlendingbot. No referrals, a more humble 30-50% APR (which is still a lot), and they advise you about the risks, minimal in this scenario.
If you have time, can you have a look at my project, vialcoin.com and give me some feedback please?
Much appreciated.
Upvoted and followed none the less.
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