I agree on this that if they can implement what they say, it would be hell of an investment. Besides, on the Interest part, the cryptos you have mentioned use Pow( Proof Of Work), but in PoS (Proof Of Stake) models, such as steem, you get a benefit to hold the tokens.
So is the model of Cremit, and quite frankly I’m more interested in the Insurance service, as it can turn out to be great hedging tool.