Although they are not a scam but there payment method is not favourable in terms of currency exchange, imagine I fund my account with $18 at rate of #799.3 but when I make withdrawal they paid me back at the rate of #451.2 and also if one want to use fiat crypto channel to fund account they will fund your account with $92 upon purchase of $100. So the exchange rate is very bad, this is reason which make me decided to quit using deriv.com