The 'algo' to be honest works with a simple investment strategy, if BTC goes up you get nice returns, but always lower than the real BTC daily change, if BTC goes down you basically get 0.01%-0.05% which is almost close to zero. Plus BCC is a PoS system and by lending BCC back to them they are producing more BCC for themselves. If they really introduce the card to spend BCC in real-life I do not think the system will go down anytime soon. Plus overall I'm having a way better experience with them than Genesis ;)