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I really, really need to read more into it, because I'm sure there must be some kind of protection for investors, but to me it does seem risky. That being said, other investment options are unattractive at the moment due to low interest rates, so maybe more people are just thinking what the heck and going for it!It's an interesting concept but I'm surprised so many people invest into these businesses. It says there's around 29,000 people who have invested so far. Fair play to them but I do wonder how many of them make a return!