A ponzi scheme will likely use other people money to pay others. This have happen numerous of times, including in lending.
^This. This is what many people fail to understand.
If someone is unfamiliar with how Ponzi's work, this is an example of the most basic Ponzi:
BTC user 1 deposits 0.1BTC on a platform, hoping to get his profit (and if a noob, he does not recognize a ponzi). Then he shares the word with other people, telling that it is legit. Then BTC user 2 deposits also there, BTC user 1 gets a portion of the investement of BTC user 2. This will continue for an unlimited number of times, so user thinks that he/she is profiting but since it is a ponzi, it cannot go for ever. At some point the Ponzi maker will take all of the funds and disappear.
The lesson here is, that if it is too good to be true, then it probably is.
If the profit increases during the time, it probably is a ponzi as they are trying to attract users on keeping the funds on their platform instead of withdrawing.
