Thought they lowered the rate on XRP already, right after the April 15 CredEarn loans activated, so the 4% is no surprise to me. Indeed, I see I set up my next loan for May 1st (compounded interest all paid at the end of 6 months) on April 16th. The rate for 4/15 was 5%, none too exciting, and 4% is even less so, but anything over 3.57% covers my mortgage interest. (Last year when they got as low as 3.5% for XRP, then I was upset.)
At your prompting, MS, I moved some USD to UPUSD (enough to qualify for a raffle ticket with Uphold). I will do that again before Thursday night. Needless to say, would love to hold gains in XRP until then. A measly 4% is less measly if it is on top of a recent 10% bump.
Not to sound greedy. Heck, last year XRP went from 30 cents on May 1 to 42 cents on May 15, with most of that move in one day, and it held the 40's through the next month's you-know-what*, so I am really not asking for too much.
*Remember when the escrow was the source of constant FUD? Could the return of that silliness be a bullish signal? Oh...OK, that would be too much to ask.
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