Hate to be the bearer of bad news, MS, but you probably were already told (but forgot) that CredEarn cut its 2G2BT 10% interest rate on USD in half. Five percent is still good for USD, but I added some more XRP, so I can spread out my holdings more evenly over the next six months. Sadly that 10% on USD actually drew me away from my initial purpose of buying XRP through Uphold and I found myself simply keeping my transferred dollars in dollars and not changing them to XRP, except once in a while when I tried to time the dips.
The fact that CredEarn had lowered its rate on XRP from 9% also discouraged me. Was it all the way down to 3%? I forget; maybe it was 3.5%, but that is still less than the 3.57% I need to arbitrage my mortgage (after taxes). They brought that back up to 9% (even goosed us two weeks ago with a bonus 1%), and I am hoping that continues for another five and a half months as I will bank (with Uphold) the XRP from my first two loans, as those are the rungs of my six-month loan ladder heavy with XRP. I will spread that out evenly on any rungs that currently have no XRP on them. (Embarrassing to say, I know; some have Bitcoin Cash, LBA, or Lite on them, but no XRP. Indeed I bought one more BCH with my remaining USD, and will loan that out at 10%.)
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