Hi, Thank you for the write up.
But I don't understand, the return is still 5%, so what is your 121% is about in second case ? A PPT holder has the choice of selling his PPT on an exchange. So if I have $4545 worth of PPT ($10 on exchange), I can sell it and use the cash to lend on the platform, and get 227 pokens, compare to use the PPT, with 20% loss in value (0.8 factor) I then get 181 pokens interests. So why you say it is better ?
Could you help define ho you calculate the ROI ? please use current PPT price, let say $10...it can't be compared to $0.3 ICO price because at any moment one can decide to sell its PPT on exchange and we are evaluating the investment opportunity as holding or not holding PPT token as today (ie PPT=$10 for the example).