Look at the roadmap - they will publish demo of the platform in Q4 2018. As I understood at first they are going to develop AI, then they will show lending platform little bit later.
I hope they will have enough money to do all they want. The plans are big.
I like the way raison decided to follow. At first steps they chose to solve all the legal issues. I found several icos which stopped their development or activity at all just because gov banned them. It’s silly and not seriously. So better to postpone the development process and become sure about law side.