7% interest rate is a red flag for ponzi scheme. That rate of return cannot be supported by traditional banking in today’s global rate and currency markets. I’m a 28 yr finance professional.
It’s not atypical in the Ruble markets. 5+% is very common, especially with larger balances. The base rates for the Central Bank of Russia are pretty high compared to the dollar. The downside is that Ruble mortgages can be over 10%.