Here is one thing I am observing. My entire xrp that is locked but a small amount (500 xrp) is not earning anything. I believe tbis is because they froze future earnings for US citizens other than what was grandfathered.
So I have option to roll it all over and lock it up, however I am not earning any interest on any of the newly acquired xrp from the prior lock. And tbey still lock it up so I don’t have access to it.
I can see the exact amount that I have that is earning Interest. So I am going to lock up that amount and keep anything over that free because it’s not earning anyways. It’s a decent chunk because it was the 6 month promo at 9.25%