16 Comments

Hi Mark, what about Abra?

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I don't use it so I don't feel qualified to comment. What are your thoughts?

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Simple earn on Binance offers flexible and locked term

https://www.binance.com/en/support/faq/introduction-to-binance-simple-earn-8df6abf5930e4ef4977d84f45d99d491

Referral code link: http://binance.com/r/123456789

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Thanks for posting. I don't use that platform so I can't vouch for it. Why are you posting your own referral links in this comments section of my newsletter?

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Jan 10, 2023Liked by Mark Helfman

I follow your lead

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Hi Mark, Nexo seems to be the one platform left that I can use to add, trade and move crypto at will. Do you have any others that I would be able to use as a US citizen. Seems to me that "Big Brother" wants to control our crypto uses. CDC interest rates are very low and they have hold times. Celsius was a very good platform for earning and trading.

Thanks for answering

Tom

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Big brother is looking out for us too well. Pay 20% interest on a credit card? No problem. Safe as safe can get! Earn 7% interest on your idle cash? TOO RISKY WE WILL PROTECT YOU!!!

I haven't looked into this yet. I'll check.

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Thanks for replying. I now have learned that NEXO has stopped all US customer deposits for interest. Time to be a Canadian! This seems to me like a complete shutdown for US citizens to earn big interest. The banks have their hand in this I can tell. I am truly depressed and look for advice. Thanks Tom

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It sucks. Gemini Earn May still offer yield. I’m earning interest on my deposits. Also Linen app which is on my to do list to try it out when I have a chance

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BTW I removed my funds from Gemini Earn. I don't know whether they're in trouble, hopefully they're ok but with everything going on, better safe than sorry.

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Hi Mark. I have been very disappointed with the changes on BlockFi and Celsius. I can no longer add to my earn accounts unless I send paperwork to get accredited investor status. The parameters for that are astronomically high. My only choice now is Nexus or Crypto. Com. But that could also change soon. They say this is helping us, but BS it’s only shutting us out in favor of the big hitters. What to do

Thanks

Tom S

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Yes, it's only for US users who are accredited investors. That is because they want to avoid getting sued by US regulators. Are you talking about Nexo or Nexus Mutual?

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FWIW, I currently use CDC, Celsius, Ledn, Youhodler and NEXO. I did a pretty quick review of them all and ultimately decided to spread things around. I primarily use CDC and Celsius for CAD and the other 3 for BTC and USD coins. (Gemini, Voyageur etc are not available to Canadians)

Abra seemed like a pain to use compared to others, and I thought swaps were expensive; all for a less than average return. And Blockfi seemed ok, but the regulatory warnings they kept sending out, the below average rates and limited free withdrawals sent me elsewhere.

Tracking all the reward payments in the tax software that I use is a breeze for Celsius, requires a file download with CDC, Ledn and Nexo. And for YouHodler requires painful manually entry, or an email request to Youhodler for a CSV file. Youhodler for me, is annoying enough that I will likely transition to just the others in the new year.

I also have relatively small positions of US stable coins as UST (Anchor protocol), USDN (Waves exch.) and yvBoost (Yearn).

These deposits are all part of the cash allocation in my investment portfolio.

For the USDT I'm sitting on waiting to deploy, I generally leave it at YouHodler earning 12% because the transfers to Binance are easy and cheap as bep20 tokens.

No "science" or vast experience here; just a year of earning nice rewards on dollars that would otherwise be earning nothing (other than -6 to -10 % inflation) sitting in my bank.

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I also spread them around. I really like Anchor, too, it's so easy to deposit UST from the Terra Station wallet.

CDC is Crypto.com?

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Hi Mark, there is some reason to not include Nexo in this list?

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I don't use it so I don't feel qualified to recommend it. Heard good things, though.

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