Bitconnect is a money making SCHEME more than a SCAM. The whole idea is that there is a legitimate cryptocurrency but they do 95% of the trading volume on their own website. You must buy their token anytime you: Lend to their lending bot (loan), reinvest or simply invest (by buying their token for long term), cash out from fiat BACK to BTC.

The trick is that all of their payments are in FIAT not in their token or in BTC which both keep going up in price over time. The truth is that reinvesting your USD back into their token daily is the best idea to make the most $$ percentage-wise rather than just holding the fiat in your lending wallet.

Do not "reinvest" into new loans (which lock up your money for 299 days) however since there is no guarantee they will be here in a year... Better idea to just take the free money and stack it back into their token which will probably be double the price in only a few months.