What is their transaction fee for stable coins? I pay no fee for USD, because I am not changing it into anything else, and there I am currently getting 8%. Yes, 10% is more than that, but, for example, when XRP paid you 6% and USD 5, if you factored in Uphold’s 1.4% charge every time you converted USD to XRP, the comparison was less favorable. And with some of what they have to offer, the fees are higher than that. Of course, we hope our cryptos go up a lot and make us forget all about the transaction costs, but Stable by its definition does not offer that kind of appreciation.
Meanwhile, I am getting 1.5% from the bank, so it seems like a no-brainer to continue moving 3500 every week to build my loan ladder rungs, to chase higher rates, mostly with XRP and USD, but I have a scattering of 8 others (including CredEarn’s own LBA). No, I do not expect these higher rates to last, but right now I could even get 3% with Chainlink (if I had any LINK; it is not offered by Uphold, but CredEarn quotes an interest rate for it). I will probably do that for another 4 months (exceeding my original plans by almost a year), so as to consolidate into the compounded interest loans of six-month durations. I am lousy with loans, thanks to my having let many of them roll into 3-month terms with simple interest.
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