Where do you see a guarantee of 3%? Reading the terms of service, there is no guarantee of anything. In fact, there is no guarantee of any daily percentage rates, there have been many at 0.00% Depending on the amount of the loan, you get a bonus % of between 0.1% and 0.25%. This is the only thing even close to a "guarantee". That being said, I am also participating in the Bitconnect lending platform and it has had an average daily % of 0.96% + bonus% (which is pretty darn good), I just don't believe it is best to be stating a "3% guaranteed cashback on your investment".