The owner of the crypto-token did issue a large initial number of tokens with very little effors.
The owner can add / mint additional supply of tokens at any time.
The interest for lending other crypto tokens or fiat is paid in the issued token.
Growth of the specific token is achieved by continuous in-flow of fiat or other coins and very little out-flows.
Try to get out and cash out - convert back the lender’s token to attempt to get the $100k - see what happens…