Maybe my third question is why 10% interest on USD? That definitely smells of 2G2BT. Does CredEarn or Uphold need USD that much more than they need XRP? You're a banker; you can explain the supply/demand better than I. Liquidity? Protection against a sudden sell-off in crypto? Or, if they are loaning it right back out, what rate are they getting? Something in the 20's?
As for your wife's life savings, I would advise her to give you no more than $3000 per month to move into Uphold, or a total of 9k, a reasonable will-not-make-or-break-you amount of risk, to complete the last 3 months of your six-month loan ladder. Three thousand dollars a month is my limit, set, not by Significant Other, but by bank regs (absent that second state-issued ID card). I have three more $500 transfers I can do this month. Since Uphold takes as many as 7 banking days to tap my funding bank account (IMHO inexcusably long for this day and age*), I guess I should do the first of those three today.
*the exact opposite of the use case for XRP.
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