I agree, i don't like the fact hey give 5% to refs, but that's only for direct refs and only if they invest. 1-2%/day in crypto trading is considerable normal, but if someone claims to give you more, it smells like scam! If i should rate in scale of 1-10 (1-most chance of scam), then i would give Bitpetit 2/10, Bitconnect 4/10 and Chaingroup 6/10. It's up almost year now and still paying every day, do your own research and invest only what you can afford to lose! ;)