Oh, didn't really get into the concept of purse.io, your brief explanation is even better than on their website. I took a closer look at them and tried to find the benefits for both parties there. There are discounts for the buyer and only losses for the "earner", unless you have a free "gift card". In this regard, I don't understand why there is a level system for earner, as if a "gift card" falls from the sky every day. That is, if I understand correctly, the site is beneficial to one side but not particularly beneficial to the other, which makes it unbalanced. I suspect that buy orders are hanging there for a very long time. In contrast, any crypto-fiat exchanger looks more balanced, since everyone there will earn from the difference in rates by placing their orders. I think if we consider purse.io as an example, their model should not be applied in its current form, but change it so that it is attractive for both parties (buyer and earner), not only as an opportunity to get rid of a "gift card".

This is all my opinion as a user, you may take it into account if you want.

Yes, Hodlhodl has lending and prediction market, I completely forgot about it. To be honest, I always considered them only as an exchanger, the only association I have when I think of them.