It just looks like it is oversaturated, but it’s not. The P2P lending market still has a great potential for growth. Many people thought, that bitcoin can’t go higher, than 1’000$ or 5’000$ later, but now you can see how much does it cost
If an investor believes that BTC and ETH are "perpetual money machines" and they will grow and grow each year by hundreds per cent than there is not much need to invest in ICOs
I agree, it won't grow always. But BTC still has a great potential, as a market overall. Powerful crypto-holders are interested in a growth of it's capitalisation, so it will be