p2p lending platform : Funding Societies Malaysia

I opened an account at this platform past May , and until now I suffered no defaults.
It offers facilities yielding up to 20% in Malaysian ringgit , charging a 2% fee on principal and a 15% withholding tax on non resident investors.
It accepts money transfers via TransferWise and you can start with as little as 1,000 ringgit.
If you sign up using my referral link http://promo.fundingsocieties.com.my/referral?r=j1t1811c we both will receive a 50 ringgit bonus.
Besides earning high interest there is a good chance to earn on forex rate as ringgit is currently one of the most undervalued currencies in the world , as shown by the Big Mac index https://en.wikipedia.org/wiki/Big_Mac_Index , historically ringgit quoted 10 baht for a long time but now you can buy for only 8.
I think in the long run it should regain its previous quote , meaning a 25% appreciation.