Very good article . But I would appreciate if you can tell which apps look shady . For example I would specifically like to know about Ultra and Amplio because they seem to offer high interest rates . They also make you deposit money in their accounts . Earlier I was happy with an app “ KredX” which was offering reasonable returns but nowadays KredX does not have any investment deals which I think because apps like Ultra and Amplio are luring investors with high returns . Your analyses of the apps like Ultra , Amplio and KredX would really be useful to investors like me who are not financially savvy to dodge fraudsters