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APY GUY: Maximize Your Savings & Earnings

APY GUY: Maximize Your Savings & Earnings

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Kevin O'Brien

YouHodler Review: Earn 4.80% APY on BTC + Up to 12.7% on Other Currencies

Kevin O'Brien
March 26, 2021

image credit: youhodler.com

The decentralized finance industry continues to gain momentum as more investors realize its potential. Innovations inside the DeFi ecosystem continue to break down walls and barriers across economic realms.

However, one of the trickier aspects of DeFi and the wider crypto ecosystem is buying and holding assets to participate in these industries through immense market fluctuations. It can be very tough to HODL as an investor watches how quickly the price of a particular coin can move in just a few seconds.

Platforms like YouHodler were created to help solve issues like these. Users can hold crypto coins while leveraging them for loans, mirroring the lending and borrowing business model practiced across many centuries by traditional banks.  

What Is YouHodler?

Based in Switzerland, YouHodler functions as a crypto-backed loan service provider. Users on the platform can instantly borrow fiat based on the value of their underlying crypto asset holdings, or convert their virtual currencies to other crypto and fiat.

Alternatively, users can hold digital currency on a YouHodler savings account and withdraw any fiat money on the platform to a personal bank account or credit card. However, the platform does have some restrictions and is not accessible to residents of the USA, China, North Korea, Sudan, Syria, Palestine, Iran, Cuba, Crimea, Pakistan, Iraq, and Bangladesh, at the time of writing.

The platform was founded in 2018 and is insured for up to $150 million via a customized crime insurance program led by Arch UK Lloyds of London. Their platform is also licensed by the European Union Financial Commission. Founder Ilya Volkov remains an active member of blockchain and crypto-related organizations and holds 15 years experience in commercial finance and trading. CTO Renat Gafarov has worked on hundreds of unique smart contracts and has spent years crafting blockchain integration solutions. 

YouHodler Services

YouHodler offers users a variety of services, including:

Crypto Savings Account: Those on YouHodler can earn up to 12% APR though an interest-earning crypto savings account. After deposit, weekly interest payments can be accrued in Bitcoin or other cryptos like stablecoins. An intuitive dashboard makes it easy to monitor interest. A unique feature of YouHodler is there is no deposit threshold to benefit from the best interest rates.

Crypto-Backed Loans: Users can also secure a fiat currency loan using crypto as collateral. These types of loans are best for those interested in getting fiat without having to sell digital currency. Since these loans are over-collateralized to account for volatility, users will have to lock up digital currency that’s more valuable than what they are trying to borrow. However, this is a typical practice in the crypto-backed loan world. Loans on the platform can be as small as $100 and users can select 30, 60, or 180 day terms. Unlike traditional loans, there are no eligibility criteria like credit scores of financial checks to secure a loan. A user just needs to want to borrow at least $100 from YouHodler to receive a loan and have the right amount of collateral.

Exchange: The YouHodler exchange makes it simple for users to switch between platformed-supported cryptocurrencies and fiat. On-platform tools show the estimated fee, arrival time, and exchange rate. The idea is to eschew a complicated trading interface and give users the feeling of an ‘instant’ swap.

Multi-HODL: These tools allow YouHodler users to take advantage of market volatility. The multi-HODL feature lets users take a portion of their funds and then speculate on the price of one of their currencies. Leverage comes from borrowing extra funds to amplify profit or losses while maintaining the ability to set stop-losses and take-profit levels. Users are also still able to earn interest. Users can select the up option to use crypto as collateral with USD as the borrowed currency, working best if a user thinks the value of crypto will grow. If they believe the opposite, the down option uses USD to borrow crypto assets.

Turbocharge: Turbocharge lets a user take an entire deposit to borrow fiat and then purchase more cryptocurrency, functioning as a ‘synthetic’ margin trade. In contrast to multi-HODL, turbocharge is only used when a user believes the price of their asset will go up.

Mobile Application: All of the platform’s core services are able to be accessed in a mobile application that can be found on either iOS or the Google Play store.

Speed, Security, Insurance

The YouHodler website spells out a variety of security features. The team says funds are stored in a mixture of hot and cold wallets and the platform incorporates Ledger’s technology to offer advanced custody options.

Funds are also protected as YouHodler benefits from Ledger Vault’s pooled crypto-asset crime insurance program with up to $150 million in coverage. Led by the Arch UK Lloyds of London syndicate, the insurance covers employee theft and outside robbery of private keys and the master seed.

YouHolder users should understand, according to the team, that Ledger will never hold YouHodler’s keys or managers even though the platforms are linked.

A backup mechanism means the YouHodler team can retrieve lost funds without having to turn to Ledger. Vault access is also distributed across different managers who have varying access rights, yet are still required to adhere to mandatory multi-signature principals.

YouHodler also gives users the opportunity to secure their assets with 3FA protection. Balances of over $10,000 (or the equivalent in crypto and fiat) can ask to disable all withdrawal options. YouHodler would then only allow withdrawals by the request of the account owner after verifying their identity again.

Deals with Elliptic and CipherTrace help analyze all transactions to protect against fraud schemes, terrorist financing, money laundering, and sanctions evasion. Of course, users can also take advantage of 2FA if they have less than $10,000 and use a strong password to keep their account safe.

The platform also writes about various procedures and laws they are bound by to enhance security. For example, deals are structured by contracts that fall under EU law, meaning the platform is “bound by law to return your cryptoassets.”

Additionally, YouHodler’s status as a Blockchain Association member means users have a way to dispute resolutions by a third party and receive outside assistance. YouHodler writes this security essentially functions as a form of crypto insurance for clients since resolutions from the Association are quick and unbiased. The team says they have not heard of any instances where a YouHodler client complained to the Association. 

Fees and Access to Funds

Since YouHodler deals in crypto loans, the fee structure varies based on a couple of factors. As of March 2021, the fee breakdown is:

30-day loan:  3% loan fee, 90% LTV, -5% price down limit (PDL)

60-day loan: 5% loan fee, 70% LTV, -25% PDL

120-day loan: 9% loan fee, 50% LTV, -40% PDL

A user can also customize loans upon request and just need to pay the loan fee to reopen another loan. Those with a loan can also activate Turbocharger where a flurry of loans can be set in motion after the app automatically executes them.

If a user does not pay their loan on time, YouHodler can extend for up to 14 days before closing. They will also charge an extension fee of 1% of the loan overdraft amount per day and deduct the ensuing cost from the loan collateral.

People interested in withdrawing their money can take advantage of a bank wire or by using a Visa or Mastercard. Fund access will depend on the individual bank’s policies. 

How to Set Up a YouHodler Account

Setting up a YouHodler account is a pretty simple process.

  1. Visit the YouHodler Website: A trip to the website presents prospective users with the option to create an account either with the signup link or the ‘Get Loan’ link.

  2. Fill Out Required Information: Users are asked to input an email address and then perform a couple KYC verification steps. Moving through verification is smooth as users just have to input a certified IDs and take a selfie to confirm identity.

  3. Set Up 2FA: While implementing 2FA is optional, YouHodler recommends it to make the experience safer.

    Now users can begin the process of starting a crypto loan, earning interest, and withdrawing their money!

YouHodler Crypto Savings Account Features 

The platform lets users earn up to 12% a year by depositing crypto and then transferring them to a savings account. Eligible coins include BTC, ETH, PAXG, HUSD, DAI, TUSD, PAX, USDC, and USDT.

Funds are paid out based on weekly compound interest in both stablecoins and fiat. Savings funds can also be used as collateral for lending products. The compound interest is calculated roughly every six hours.

However, savings account holders should note that releasing funds before the end of a weekly period means the accrued interest from the week is lost. Those who deposit additional crypto will receive the interest in just the week following. However, assets can be removed at any time.

As mentioned earlier, users can harness their crypto savings accounts for the Turbocharge functionality. The platform will automatically use collateral for the loans. Turbocharge is lucrative because there are no extra fees beyond the first loan and the loan interest rate is also lessened. 

YouHodler Crypto-Backed Loan Account Features

YouHolder users can use fourteen different cryptos as collateral for a loan. Getting a loan usually takes seconds and the platform comes equipped with a variety of features to manage the loan and respond to market changes.

For example, YouHodler offers a few ways to exit a loan aside from just paying it off. Closing a loan without repaying it fully means the loan will be fulfilled using a holder’s collateral. ANy remaining crypto will then be automatically sent to the user.

There’s also an option to reopen a loan with the same terms if the current term is close to maturity. Extending the price down limit is also an option if a user would like to add extra collateral.

Finally, users with a top rate LTC of 90% can just receive a loan and walk away, with no consequences, with 85% of the value. The ‘walk away’ feature helps YouHodler users exchange crypto for cash in a free manner.

YouHodler also understands market forces dictate how a loan holder might want to respond. As a result, each loan comes with a ‘Price Down Limit’ to ensure the loan amount will not change. YouHodler then reserves the right to close the loan and sell collateral if the price of a crypto backing a loan drops behind the PDL.

Users are notified if the price dips below ⅔ of the PDL. This is a coursey service and does not cost any fees.

Loan holders can also set a take profit price on a loan and watch as the platform automatically sells off collateral to pay the loan – depositing the extra funds in a user wallet. Setting the close price is done when a user originally requests a loan.

YouHodler Customer Sentiment

The platform has pretty good customer sentiment at the time of writing, as YouHodler looks focused on keeping a strong reputation as the DeFi world keeps expanding. Users have lauded the platform for its live chat, email, and phone services and the good response times on each of the mediums.

YouHodler’s iOS app has 4.8/5 stars at the time of writing. Reviewers appreciate how easy to use the platform is and the responsiveness of the many features on mobile. Some users even claim it’s easier to use than other platforms like Kraken.

On the iOS side, the majority of the negative reviews revolve around the fact that U.S.-located people can’t use YouHodler. Some complain they started to input personal information before realizing it would not allow U.S. customers and question what the platform is then doing with the information.

However, the YouHodler team does take time to respond to these kinds of reviews and remind users they are limited by legal restrictions to service U.S. customers. Team members do note they are working on this front and will inform if the situation changes. YouHodler’s website also looks at a visitor’s IP and will notify a person if they try to register if they are detected to be accessing the website from the USA.

The platform has 4.1 out of 5 stars on the Google Play store. Positive reviews note the sleekness of the platform and its user friendly nature. Even though some note the fee structure is high, they applaud YouHodler for being honest about fees up front and for providing options that can help crypto holders ‘get the most out of their money.’

Negative reviews focus on a few key points. Some users indicate issues with the app crashing upon opening and then having to try and reinstall, or just turning to the web browser for a smoother experience. Sometimes these issues can be as a result of a specific update or modification and can be resolved in future editions.

The YouHoder team does look to be responding to these types of issues with a request to reach out to the support team if needed. Some negative reviewers who write about application bugs do note the customer support has been prompt with getting back to users and addressing issues.

Many other negative reviews centralize issues with the reCaptcha verification service and how it does not verify properly to let a user register. YouHodler looks to be responsive with these types of requests and notes that reCaptcha is a ‘black box service,’ writing that as a result they might not be able to actually ascertain why there is an issue.

Overall, customer sentiment looks to be strong and there are many positive reviews that highlight the platform’s usefulness, simplicity, sleekness, and transparency. 

Final Thoughts

YouHodler is a unique platform that offers a lot of financial options. As the DeFi world keeps expanding and features more innovation, users are undoubtedly looking for ways to profit and make money with their funds in safe ways. Many are wary of options like yield farming and look for ‘safer’ alternatives like crypto savings accounts and similar financial tools.

YouHodler offers new and experienced crypto users opportunities to make strong returns or to just leverage digital assets to make more money. The platform is transparent and honest about fees and the ability to quickly set up accounts is another plus.

The lack of support for U.S. customers is a big drawback, but the myriad of laws in the nation do not make it surprising that the platform can’t service these types of customers. Odds are good they will figure out a way, like many other crypto entities do, to function in the U.S.
Security is always a big issue with crypto platforms and YouHodler’s vast range of options should encourage investors. The ability to secure larger accounts with extra measures like 3FA is not often seen with other protocols, while the infrastructure messaging with the reputable and secure Ledger vault is another bonus.

Overall, YouHolder is a secure and effective platform for those interested in crypto loans and savings accounts.

Filed Under: Crypto Savings Accounts Tagged With: YouHodler

BlockFi Review – Earn up to 8.6% on your Crypto Stash + Sign up Bonus!

Kevin O'Brien
March 3, 2021

image credit: blockfi.com

The cryptocurrency industry continues to grow larger despite opposition from skeptics and those more interested in traditional finance. As entities like Tesla add Bitcoin to their balance sheets and payment processing giants like Mastercard signal growing acceptance of the crypto world, many express greater confidence in the ability of virtual currency to serve as a wealth-building tool.

As a result, the rise of crypto-based lending, investing, and borrowing platforms continues to blossom. One example is BlockFi, a wealth management platform based on blockchain technology offering collateralized loans utilizing cryptocurrency.

Launched in August 2017, BlockFi is based in New York and remains the only Bitcoin lending platform offering a crypto deposit account featuring compound interest. BlockFi’s gained immense notoriety in and outside the crypto world due to its rapid growth, large amount of on-platform assets, and a loss rate currently standing at 0%.

Keep reading to learn more about BlockFi, understand the features and infrastructure the platform offers, and gain a greater understanding of how the lending protocol is perceived in the cryptocurrency world.

What Is BlockFi

Founded by Zac Prince and Flori Marquez in 2017, BlockFi was created to provide credit services to markets with limited access to basic financial products, like a savings account.

The platform commenced lending while utilizing digital currency as collateral in January 2018. Several funding rounds across the year with participation from entities like Galaxy Digital Ventures and ConsenSys Ventures helped the team officially launch the BlockFi platform.

BlockFi’s Series A funding netted the company around $18.3 million, while a Series C round added $50 million in cash for operations.

Today, the BlockFi team maintains offices in New York, New Jersey, Poland and Argentina. The platform’s primary custodian, Gemini Trust Company. LLC, is regulated by the New York State Department of Financial Services. BlockFi lenders also benefit from the backing of financial giants like SoFi and Fidelity, meaning a vast majority of products and tools seen as a traditional bank are also accessible to BlockFi users.

BlockFi users can earn interest by lending out Bitcoin and other crypto, secure a cash loan while using crypto as collateral, or perform crypto-to-crypto transactions.

Aside from offering a compound interest-earning crypto deposit account, BlockFi users do not have to hold or stake a native token to use services on the platform, as BlockFi does not currently have a token. Additionally, BlockFi users do not need to carry a minimum balance to be eligible to earn monthly compound interest on funds.

BlockFi Interest Account (BIA) Details and Features

Get paid up to 8.6% on your crypto stash! Interest paid monthly.

The BIA is one of the most unique BlockFi features, This account lets users deposit crypto and enjoy the benefits of earning interest on deposits and (hopefully) watch the crypto’s value grow at the same time.

BlockFi offers an interest rate on stablecoins of at least 8.6% and up to 6% with Bitcoin depending on the deposit amount. Users can also earn interest with other cryptos like Ethereum and Litecoin.

All a prospective account holder has to do is enter their information, fund an account with virtual currencies, and then simply wait to earn and collect monthly interest in the crypto of choice. BlockFi features an interest calculator so account holders can understand how much money they could earn based on the asset and investment duration.

Users are also eligible to receive one free withdrawal per month with the ability to remove funds at any time. The interest account is available worldwide, other than in nations who are sanctioned or on watchlists. Other account features include:

  • Interest Payment Flex: This feature allows users to choose the cryptocurrency they’d like to receive interest in. This allows account holders to diversify their portfolio or choose coins they believe have strong market potential, depending on the time of year and other newsworthy moments related to the project that could drive up the price. Account holders should understand there is a limit to how many hours before the end of the month that they are able to change their preferred interest payment.
  • Tiered Interest Structure: Bitcoin fans on BlockFi can take advantage of the platform’s tiered interest structure. For annual deposits under 2.5 BTC, the interest rate rests at anywhere up to 6%. Amounts above that limit lead to a 3% interest rate. This structure incentivizes users to be strategic with their deposits, especially since interest rates have and do change.

Interest Rates Breakdown by Cryptocurrency

As of March 2021, the below interest rates are available for all BIA holders:

CryptocurrencyYield
BTC (Tier 1)2.5% – 6.0%
BTC (Tier 2)2.5% – 3.0%
LINK5.5%
ETH5.25%
LTC6.5%
USDC8.6%
GUSD8.6%
PAX8.6%
PAXG5.0%
USDT9.3%
BUSD8.6%

You can also find BlockFi’s interest rate table here.

Speed, Security, Insurance

BlockFi users often ask if their funds are insured. While FDIC insurance does not pertain to crypto, BlockFi does use Gemini as its custodial service. Since Gemini does insure its own deposits, BlockFi users do have assurance their funds have some protection. All withdrawal requests take one business day to clear, which means actions on Friday will not process until Monday.

The platform also maintains a number of security standards and best practices to assuage users. BlockFi does not hold the private keys to funds, instead leaving asset management to Gemini (and its cold storage infrastructure). Gemini received a SOC2 Type 1 compliance audit from Deloitte for its custodial infrastructure, and Gemini itself is insured by Aon.

If an account is compromised, the BlockFi team indicates the account is frozen for a one-week period. Next, a videoconference with the individual is conducted to verify the account and its proper owner, allowing the BlockFi team to alter account information so the proper user can regain control.

BlockFi also offers users the ability to utilize two-factor authentication to secure accounts. Instead of relying on text messages and emails, platform users are asked to perform 2FA with the Google Authenticator app that regenerates a code every 30 seconds.

Additionally, BlockFi users can add crypto wallet addresses to a specialized address book – making it easier to transact with frequently used addresses. With the Allow listing feature, users will only be able to withdraw to addresses listed on the address book.

As a result, withdrawals are not possible if the book is empty. This practice lets users add additional security layers to their accounts to prevent hackers from gaining access and then siphoning off funds to external accounts.

According to BlockFi, users also can take advantage of Face ID to login. Facial recognition can take the place of a more traditional email and password login, but users who manually log out will have to input an email and password in order to log back into the platform.

Fees and Access to Funds

Withdrawal limits and settlement speeds depend on the crypto asset users are trying to transact with. For BTC, users can withdraw 100 coins in a 7-day period. The limit jumps to 5,000 for Ethereum, and 10,000 for Litecoin. Stablecoin holders can withdraw up to a million of the crypto asset each week.

Bitcoin withdrawal fees currently sit at 0.00075 BTC. Ethereum’s sit at 0.02 ETH, while Litecoins stand at 0.0025 LTC. Stablecoin withdrawal fees are $10.

Origination fees for crypto-backed loans are 2% regardless of the loan-to-value ratio and the interest rate. LTV is computed by taking the loan amount and dividing it by the value of the loan collateral.

BlockFi Withdrawal Fees per Cryptocurrency

CurrencyWithdrawal Limit (in crypto)Fees
BTC1000.00075
ETH5,0000.02
LINK65,0000.10
LTC10,0000.0025
Stablecoins1,000,000$10.00 USD
PAXG5000.015

Please note that all of the fees and withdrawal limits in the table above pertain to a 7-day period.

How to set up a BlockFi account

  1. Referrals:BlockFi is known for a referral program that often incentivizes new users and whoever originally brought them to the platform. Referral benefits have included $10 in BTC to both the new user and referrer once a new account is funded with a set amount of cryptocurrency. Special referral bonuses have let users collect more money. As a result, many prospective BlockFi users often ask friends or families, or do research to see if there are any referral bonuses before making an account. Of course, this step is not required.
  2. Registration:New BlockFi users should be careful and ensure they are on the website of the actual BlockFi website, especially if a friend sends them a referral link. On the homepage, a blue ‘Get Started’ button on the right side of the page ushers in the registration process. Those who sign up will need to input their name, email, create a password, and then accept BlockFi’s policies and certify with a check they are over 18. As always, it is smart to review the Terms & Conditions, Terms of Service, and Privacy Policy before passing the CAPTCHA and clicking submit to conclude registration.

If the information passes muster, prompts will ask if the user is creating a personal or business account. One can assume the business account will involve a much more detailed and thorough registration process. For individual users, BlockFi will then inquire about the user’s country and ZIP code, adding in a brief note about what the information is used for (if a user is interested in learning more).

Next, users are asked to input an array of information, including a phone number, birthday, and the source of funds connected to the account. Before inputting a Social Security Number, users should again check to make sure they are on the secure and official BlockFi website. The platform says they are required by the Bank Secrecy Act to verify the identity of eligible users by cross-checking with their Social Security number.

After a user successfully inputs the previous information, they will be asked to verify their phone number by inputting a confirmation code, along with performing a few other tasks. These steps are to satisfy the platform’s KTC ID verification system provided by Persona.

  1. Setting Up The Account: Once users see the BlockFi main page, they have the option to set up two-factor authentication. While some see this as unnecessary, 2FA is a smart way to add extra protection to an account, and is already standard practice at many financial institutions and brokerages. As discussed earlier, users can also set up whitelisting, which is of particular importance if a person intends to send money between a bank account and BlockFi or if they are interested in sending cryptos on and off BlockFi.
  2. Funding The New BlockFi Account: Processes of actually adding funds to a BlockFi account vary based on a number of federal and state regulations. In general, the three main ways to fund a BlockFi account are to connect it to ACH, wire money, or to move money in from an outside crypto account.

    ACH is often the slowest method to fund an account, and BlockFi also places limits on the amount of money users can transfer in. There are no limits on wire transfers but fees (depending on the bank) can quickly add up. The speed and cost of transferring crypto will depend on the coin and where the virtual currency is coming from. Users simply must visit their profile settings and find the option to put in a bank account to start an ACH transfer.

    Users interested in wiring money to their accounts need to find the code on their profile page and then visit their bank’s website to input the code (in the notes section) and BlockFi’s wire information. 

Finally, users who desire to fund their accounts with crypto can do so on their BlockFi profile by finding the corresponding wallet address and then setting up a transfer from an outside exchange or wallet. Users should be careful to not send crypto into an account that’s for a different virtual currency, as this opens up the potential to lose the entire amount of assets. Depending on where the crypto is coming from, the transfer might be delayed a bit for further review.

After following the above steps, a user now has a fully functioning BlockFi account! It is prudent for users to also test out withdrawing funds from their BlockFi account. Be sure to start with a small amount when you are not in immediate need of the money.

BlockFi Bitcoins Reward Visa Card Features and Details

Earn up to $750 in bonus bitcoin rewards!

BlockFi announced details of its Bitcoins Reward Visa Card in December 2020. According to the project team, card holders who are approved can spend their approved limit each month and  not be required to pay interest on the balance (if paid on time).

However, all transactions on the car lead to a 1.5% cash back bonus automatically converted to Bitcoin and deposited into BlockFi each month. This makes the sleek black metal card an alluring way to earn crypto rewards on everyday transactions.

According to BlockFi, the card is the first crypto-focused credit card and marks the first time Bitcoin’s logo is right on a physical card. As of now, the 1.5% stands as the highest Bitcoin rewards rate for any card. Users also can earn a $250 Bitcoin signup bonus if they spend at least $2,000 in the first three months.

Right now, the card is only available in the United States, but those in other parts of the world can add themselves on the waiting list to be the first to know when the card could be available in their area.

BlockFi says they hope the new Bitcoin Rewards Visa Card helps expose more people to Bitcoin and help consumers earn the cryptocurrency while making purchases on everyday items.

BlockFi Customer Sentiment

Unsurprisingly, the wide array of features on BlockFi and the platform’s unique opportunities for those interested in the nexus of traditional finance and crypto, lead to a lot of reviews and customer feedback.

As of early March 2020, BlockFi maintains a 3.5/5 rating on the Apple App Store. While many praise the robust features offered, they also write how BlockFi’s user interface could be updated. One user notes it can be hard to see how much an account has changed in value over time due to the platform’s interface – a feature they say should be a pretty straightforward update to implement.

Others say BlockFi lags behind platforms like Coinbase or Gemini when it comes to the design and user experience. More pessimistic reviews explain how BlockFi’s customer support is superb, but write how they run into issues with username/password resets, basic app crashes and glitches, and other issues with logging in.

On the Google Play story, BlockFi enjoys a 4.4/5 rating. Praise for the app largely focuses on efforts by the development and customer service team to keep things moving and running amid a massive influx of new users. However, the negative reviewers are not shy about documenting problems with fund transfers, a buggy signup process, and a range of fees that can become confusing (and quickly add up).

Final Thoughts

BlockFi is one of the most unique platforms in the crypto world. Allowing users the ability to earn crypto, grow wealth, and participate in an ecosystem where traditional finance merges with virtual currency represents a new economic frontier.

BlockFi’s adherence to security, range of supported cryptos, and innovative products like the Bitcoin Rewards Visa makes the platform enticing for those looking to ‘put their crypto to work’ making money. However, users should understand what they are getting into, especially when it comes to withdrawal times and fees.

Filed Under: Crypto Savings Accounts

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Send an email to hello@apyguy.com with the name of the institution, rate (APY) and type of product.

Our editorial staff will confirm the product, rate and APY (annual percentage yield) with the institution and publish it immediately for our viewers.

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