Bitfinex is a great platform. I have been trading small values for a wile and for the last 6 months I have been mostly net positive with intra-day trading (Few months were at a loss, but 10% ROI so far if all of the 6months are included - only counting intraday profit and not hold values). Now, for what I had to invest with a 10% ROI per 6 months I couldn't live out of trading. Then they implement the lending feature and so far it is looking promising the last month I have been able to make profit even after paying the installment. I'm really happy I have been granted this opportunity and that's why my loyalty resides with bitfinex.