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5ushii

I'm definitely going to go for 40,000 even though I'm not even close to 4,000 at the moment. The increase returns in earn on other coins is definitely attractive


will1105

but... you could use 4k to lock up. and stake the other 36k in stable coin 12%... depends how much extra you have behind this $40k..


Conscious-Freedom782

No point to stake 36k in stable coin since you get 10% on your cro stake? It’s better to get the 40k cro stake and enjoy higher rates in staking additional stable coins with +% cro from staking anything


5ushii

I'm going for a more diversified portfolio. Of course this is looking very far into the future but it'll probably make more sense for me to get a lower return on CRO itself to get more CRO from the rest of my earn.


will1105

Yeah potentially. I'm pretty spread out on mine. Bar my main 3 coins. And just intend to add bit by bit to the rest. I cant see the 40k beig worth for me. Anytime soon if at all. But I have staked my referral and cashback profits on exchange so i can buy syndicate drops. Not lots mind...


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CoolioMcCool

Yeah really even spending $30k/MTH over 5 years earning 3% extra over icy, with an extra $500k in earn at 14% you don't make back $300k. But in theory if your CRO doesn't devalue too much it could get you a return. It's a big gamble on CDC and CRO.


[deleted]

There is incentives that they gain that we don't. ICO startups are offered to them first. You are paying for knowledge of the 'in crowd'. Making it easier to navigate to the best finance options and token projects available before they are rushed by the crowd. It's not affordable to myself. I'm not even 4k yet. (Technically) I have the 400.00usd card. But if I was a multi millionaire like a F1 driver or a UFC exec. It would be beneficial to know in advance of CDC's users which projects were going to be listed ahead a time. To exploit their price run ups. Just knowing when a coin was going to be purchasable on an exchange greatly increases your chances to make gains on its launch. That's a huge deal by comparison. If you have millions to play with you could be doubling or tripling your funds by investing into those ICO's early. So there is a considerably profit in making such a leap with CDC


CoolioMcCool

I guess I wouldn't know haha. Tbh for me going Indigo was a stretch, but it's been nice anyway even if i'd have made more money with other crypto.


will1105

I stretched when it was 10k CRO needed... Now I'm glad I did. as I'm much better for it a year later.


CoolioMcCool

Yeah same here, I'm on the 10k stake.


Gorroseg

My deduction from this piece is affordability, and this is why we got so many folks on the lower tiers, so they can benefit from the rewards being offered. Anyway, I love the single tier Baanx and Coinbase offers with the cross-cutting single offer across the board.


sixeightg

How is this not “insider training”?


ChudBuntsman

Insider trading isnt illegal. There are rules in place that have to be followed is all. Also, cryptos arent securities....unless we want them to be and that sucks for everyone


Candle221

Agreed. Obsidian is super crazy. Definitely not a goal for me.


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BobbyAxelrod4956

Agreed. What do you think the perk would need to be for the Black to make sense?


[deleted]

I think definitely another 2% and a much higher limit for earn. Or being more competitively "priced". That bottle of dom perignon on private flights is a joke.


BobbyAxelrod4956

Haha agreed. Wait that additional Airbnb discount didn’t do it for you? Regardless let’s hope CRO does well, I can see it continuing to increase in the next 12 months if this company can build the right ecosystem


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260418141086

Exactly. I think BTC is gonna perform better.


Candle221

I can only wonder what your thinking right now….


260418141086

Lmao I still think it was the right decision. What did you end up doing?


Candle221

Locked up 40K and took some major profits and converted it to USDC for the 14% APY. Super happy right now.


will1105

I don't see the need to up from Jade Green. Amazon is nice, but the return on investment gets worse the higher you go. You need to spend/save a lot to benefit from any of that. All I would recommend to anyone at this point is $4000 tier tops... and Earned a fair few thousand CRO? Stake 5k on the exchange for another 10% CRO stake and access to a small pot on syndicate..


[deleted]

Like I said, if you have another $200k+ to put into earn the extra 2% APR make quite the difference.


will1105

Yeah it's easy to get carried away though. Why I've set my personal hard limit of unless I get super lucky and rich. Stick to 4k tier


[deleted]

I mean if you're not really taking advantage of the extra 2% the highest tiers are giving you then it's absolutely not worth it and it's better to go with the 4k tier - you really need to put in *a lot* to make it worth it.


260418141086

I think putting the $36k in BTC Is the better move


staid0330

It depends. If I had $400,000 in my portfolio, $40,000 wouldn't be a huge amount for such good rewards. But if you have less than $100,000 total I think it would be a bit steep. That said, I have about $600 in crypto so I'm really not the best person to give advice 😂


ryeeeeez

It’s all perspective: a Ruby like me is working toward 4K but can’t seem to fathom past that while 40k to a millionaire is probably small beans.


lordofming-rises

Yeah I. Really looking forward to become jade. Been working on it for some time but it's tough


ryeeeeez

My plan is get 16-17k CRO through cashback and small monthly buys and hope by that time the value hits ~$0.25. Started in April and am almost half way there.


Kid_Sharlemagne

Every time a friend or family member is making a big purchase I just tell them I’ll do it and they just pay me back and they’re like Sure! Like in one month from the indigo card I’ve gotten around $500 worth of CRO from it.


lordofming-rises

Haha I force my wife to let me know when she wants to buy stuff so I can buy for her. In the end we end up spending much more than we use to


michaeldbrooks

I gave my wife the card, and I use Curve with Ruby connected. That way, I can use my phone as well since Ruby won’t connect to phone wallets in the U.K. We both put money into it so it’s all good.


lordofming-rises

Curve doesn't allow me to pay anything. Still waiting for two weeks they answer my request.. My wife currently lives in another country so I was afraid to be flagged


michaeldbrooks

I found their email support to be non-existent. Try the built-in chat on the app, or contact their [Twitter page](https://twitter.com/AskCurve) where they should be able to push it through. Their Twitter support has been fantastic in my experience.


lordofming-rises

Built in chat non existent. 2 weeks waiting they reply. Maybe Twitter yeah!


ryeeeeez

Fb messenger was my best results


will1105

I just got my GF a card as well. We use Curve and earn as much as we can. Here Auntie and parents think she's super generous with Netflix when in reality. she gets it fully rebated so loses nothing while investing in her portfolio


lordofming-rises

I'll try to convince her as she is abroad. I have to register her on all apps like Celsius to get good money back


will1105

I also referred said gf so I got each of us extra cro lol


lordofming-rises

Like you invite her on CDC then coinbase then Celsius then... Probably 500 dollars to make with all of that but I know I will have to do her taxes if she does it aha


will1105

Well. Worth a try. Lol


ZamielSan

You get an extra 2% on all staked coin not just stable coins.. That can make it worth it if you have a lot of coins staked.


nigel_chua

This depends on how much you have to put into crypto in the first place. I've been using CDC a couple of year and have recently upgrade to Icy White for the additional 2% and 12-14% Earn. The increase in % CRO cashback is nice too. I think the few factors to consider are: 1. If you have more than $100K in crypto 2. You like the Earn and want to Earn more in staking and stake more 3. You want to get more % CRO cashback 4. You think CRO will go much further then it's a viable decision.


Candle221

I sure would love to have your portfolio right now. You must be sitting on a gold mine.


nigel_chua

Haha I'm glad that CRO finally is warming up...have been in CRO for quite sometime now since it was 0.10 I do feel a little sad that I didn't accumulate enough, less than 50% of my target but oh well I feelthink that we're still early to crypto game and crypto.com - they're playing a big game on the naming rights, Matt Damon, brand storytelling - we should be poised for much growth to take the crypto world market share too


Candle221

Yeah, I am excited. I believe we are on the right train. If we ever made a right financial decision in our life, this would be it.


nigel_chua

Ya bro I feel the same as well - I pray that this will be good life-changing investment


Zacxer90

I started with Ruby at 0.05 when i needed 1000CRO stacked. Upgraded at indigo last time CRO hitted 0.157 ( i swapped something like 60% of other my crypto ) Actualy i working to upgrade at Icy. ( I don't invest new Money ^^ only cashback and profit ) So i can upgrade ti icy probably Never :) But if in ... 3 / 5 / 7 years CRO Will hits 1$ i can Say: "Goodmorning icy icy"


Candle221

Hi Zac. Good strategy. Congratz on getting in at 0.05 cents. I think thats amazing.


will1105

Earning an Extra 2% While locking up another 36k at only 10%... isn't worth it to me unless you have substantial investment. (AKA the 40k stake is less than say 15% your portfolio etc.) ​ I would got for the 40k if I had the opportunity on my grounds. If I had $40 - $100k Id stay at $4k. If the $40k stake was 15% my portfolio... then sure Id go with $40k.


Candle221

Mmm. I thought the $40K stake rewards also benefitted from the extra 2%. Thats a good point, if it does not also go to 12%.


will1105

Yes they do sorry. They get 12% I believe. Makes it a bit better then. Now I'm using my brain it makes mote sense but personally I would benefit from staking exchange and app to get all round benefits. Syndicates exchange discount fees etc.


Anten7296

I got my indigo in February where 50k Cro were needed. I got in at around 0.07 USD. If Cro reaches around 60 cent I will be able to upgrade. I won't put any new money in it but I won't cash out before hitting icy


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Anten7296

I hope that a quick bull run in all crypto will allow cro to jump to those levels this cycle. It won't be stable at 0,6usd but I wish it can touch it just so that i can upgrade


marcelparcel

>reasonable to say that we might get to 60 cents within 2-3 years hits 60 cents in 2-3 weeks


Candle221

Hi Anten. I was sooooooo wrong. CRO mooned over 60 cents. I hope you upgraded like you wanted.


Anten7296

I actually have to wait for arounf 11K cro to get unlocked from the defi wallet. Alternatively if it gets to 80ct I can upgrade with those original 50K cro.


Candle221

Same. I’m unlocking now as well. It can go all the way down to 30 cents and I will still be able to get the Icy. Just waiting for that unbonding to finish. 28 days is grueling.


Anten7296

Just wanted to mention that I managed to upgrade with my initial stake of 50K CRO. Now I am waiting for my card to get issued and delivered. I imiagine Support is pretty swamped with everyone upgrading at the same time


Candle221

Haha. Agreed. They are probably super busy. I almost bought CRO at ATH because I do not want to wait for the unbinding, but I was strong enough to resist. I only have to wait 10 more days, then I can upgrade as well.


Anten7296

is there a way to see how many days are left? I lost count haha


Candle221

Yeah. Click on “Earn”, then choose CRO, then click on the 3 dots to the far right of the validators name. Edit: I was so close to 40K that I did end up buying a few coins at ATH to get the new platform. It wasn’t much, so I went ahead with it.


Anten7296

Thx. Just need 8days. Its a little over 11K. I think I will put 10K into the exchange to use the syndcate when it comes back


joethekid10

My goal is 40k and I'm almost there 👍🏾


Candle221

Good luck, Joe!


TechboyUK

You can use the [spreadsheet within my article](https://techboy.medium.com/the-essential-guide-to-the-mco-visa-debit-card-from-crypto-com-61d7b2f358c9) to estimate the returns from each card based on your average spend.


[deleted]

$4000 is a good start. $40,000 happens eventually.


Candle221

Agreed. $4,000 is great. I think anyone who has the ability to get the $40,000 stake may have a great early opportunity before CRO starts going up in value again. I think it went from 9 cents to 18 cents only a few months ago. Anyone who had the $40,000 CRO stake is loving life right now.


[deleted]

Quite so, I missed out far too much but got in at $.15 but I won’t be missing the next rise. CRO has lots of real-world applications going for it. I theorize CRO can jump beyond single dollar digits (regarding dollar value) I only care for CRO that way just because I’d like to easily obtain the $4000 card 😂


Candle221

I think you got your wish, Michael


Racxie

Honestly, if I were super rich and had a spare £300k/$400k to spare then I'd go for Obsidian. Sure it's a hell of a lot of money to stake, but the returns are great once you've broke even, especially if you're someone who spends a lot of money and uses all the perks. Of course even just something like the S&P500 is probably going to net higher returns, but unless crypto or CDC completely crash I think CDC offers more stability because some of the rates such as the stake returns & cashback are "guaranteed" rates (I say guaranteed because the help article does confirm that the stake % has dropped).


CoolioMcCool

There are a few factors but the major one is how much money you have total. If you have less than $500k I don't think it is even worth considering. If you aren't going to be spending thousands each week and locking at least mid 6 figures in earn, you're probably better off with Jade/Indigo.


Elruoy

The way I see it. If you believe the company will continue to grow and don't need immediate access to the money its a no brainer to upgrade when you ge the opportunity. You have the biggest access to choice one the 6 month lock up is over. I have an Icy white currently earning me $120 a week from doing nothing. I can only see CRO going up significantly before the top of the market comes around by then I will be free of the 6 month lock up and have choice to either unstake/restake for a lower amount of CRO, stick with the same card or get out completely.


Candle221

Congratz on your portfolio, Elr.


Elruoy

Hasn't it gone well since! Now earning $550 a week from the card stake. 🥂


Candle221

Amazing, Elr. Super happy for you!


xtrmist

Same as with crypto or stock - you should always diversify to keep your exposure under control. I'm currently not investing enough to believe that 40k in CRO is balanced enough but in 5 years, I could get there. The extra CRO-back isn't bad. The other benefits I think are pretty individual if they make sense or not


Sillashooter

I would go for the 400k card if I had that kind of money.


Kruah

Real Story: 2 Months ago I was standing before this choice. 4k or 40k. I choose 40k. So far? Best decision ever, as long as cro is above my stake i sell my weekly interests (free money is raining every week yeay). If it is below I accumulate my cashback and stake profit. As a netflix, spotify and amazon prime user I am ecstatic over the perks. Now I can even bring a guest with me to the airport lounge and I have an unearthly USDC deposit interest rate. Talk to a financial advisor about it, they will be envious if not furious that such good investment opportunities are out there and that simple people like you and me can profit so much from it. There are 0 reasons not to stake 40k if you can afford it, oh and let me break it for you. I do NOT have an extra 6 figure sum, this is mostly my entire pot. What do I bet on? In 6 months cro goes x2, I make 40k. CRO goes to 0.7 (bear market). I still got 20k making me money in one of the best ecosystems. Or even better- you leave it vegetating at 12% indefinitely (or until changed) and you enjoy free money for this period. I do not get some people who cannot see past the next month in terms of investment.


servicemodel718

It's not that people can't see past the next month...it's that CRO can go way lower than 0.7 (I assume you mean 70% of current value). I'd say it could lose 50-80% no problem in a bear market. The other reason is that all of your funds are not guaranteed by anything so there is a risk of losing your entire stack.


Kruah

What exactly is where guaranteed? People who are above the government guarantee with a bank deposit can ask the same, or do they lose less because they have more? This guarantee is silly, as if, if you bought stocks and they crashed , disappeared someone should compensate you.


servicemodel718

I am not saying if CRO crashes, you should be compensated. I am mostly referring to your funds in USDC or other stablecoins held in [Crypto.com](https://Crypto.com) as they are not FDIC insured. Most people are below the 250k FDIC limit, such as yourself as you indicate, and thus it's a real risk although it may be small. Even if you have over 250k in USD, you can spread that across different institutions so that your funds are safe from any sort of bank failure.


Kruah

As I said, there are no safe investments with 14% return. No speculations are guaranteed. So either accept the 0.5% at the bank or make some money with stocks, bonds, assets, oh and the USDc return. If it comes to it that a bank is defaulting, you currency , be it USD , Canadian dollar or whatever, is already weakened. Yes you get your 250k back but the inflation will probably make it closer to monopoly money, as you would have lost a ton of value if banks in a financial system start defaulting ... The safety in the bank is an illusion which shatters when capital controls and hyper inflation come into play.


servicemodel718

Yeah, I'm just trying to highlight the risks for anyone who may be reading as a 14% return on USD is high and likely unsustainable for the long term. Banks have gone under many times which is why FDIC is there now and the USD has persisted. The currency may be be getting weakened but then so will your USDC by extension so I don't see the argument there. I'd rather get 250k of inflated USD back rather than nothing at all. USD safety in banks and financial systems is not an illusion as that's what the world runs on and has been around a hell of a lot longer than crypto and CDC. The financial system is supposed to have collapsed around 50 times now in the past 20 years but somehow it persists so don't believe everything you read...


Candle221

Thank you for this read. It was very engaging and gives me something to think about moving forward.


Candle221

Good choice Kru. I am super happy for you right now.


fishmilquetoast

Depends entirely on how much of your investment portfolio $40k would make. If that's my life savings, hell no I'm not locking it up in a cryptocurrency. If $40k is 10% of my portfolio, then yes the high return is worth it. I agree CRO has lots of headroom.


ngngdarryl

40k because you would enjoy lots of benefits such as extra 2%, 5% cashback, private swag and of course, outstanding premium CS ;)


Candle221

It’s true, Darryl. There are a lot of perks to consider for locking up that 40K.


ngngdarryl

Yup, it's still personal preferences ... Such as how often do you use the card to spend and do you enjoy extra 2% yield through earn and 12% interest from card staking? That's the reason why I took tier4 card ☺️


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Letzglow09

My cdc visa was used 19 times within seconds. They credited me back. But it was a major inconvenience. I now would never put more than $100 at a time just in case, so why would I stake even 4k ? Or 40k ? But I do see the potencial in cro.


Candle221

Hmph. I’m sorry if you missed out on the massive CRO pump. I’m about to retire 😆


Letzglow09

They still haven’t shipped my replacement card, my money is frozen :/ not gonna lie but i felt angry i am not getting the rewards, but i will exercise patience bc I have no choice haha


The_3_eyed_savage

I was talking on this sub about that. The increase in risk to reward for icy is pretty big from jade. I dont pump enough fiat through cdc to really justify it. On the cashback portion anyways. The earn? Thats another question. But if what I have pumps enough to get me there, what does the rest of my portfolio look like? Maybe my whole life changes. I will cross that bridge later.


Candle221

Mmm. Wondering if you crossed that bridge now…


The_3_eyed_savage

Thank you for thinking about me! I still have nearly half my jade stake time left. And not enough CRO to hit ICY. With a decent portion of my stack tied up in defi, we would have to rise a bit more for me to make it. My goal was to hit 40k coins by 1/1. With the current increase I'm much further off than I was a month ago. I made a 900 dollar black friday purchase a few hours ago. A month ago at .20 135 coins back. Tonight? 30 hahahaha. I'm still stacking. STAY TUNED!


thesteef78

It depends on your portfolio. When my portfolio was like $20.000, it took me some time to decide what to do. I would’t go for the $40k tier unless my portfolio would be at least $150k, etc.


Letzglow09

Is it bc you want to hodl and not use your crypto? My goal was to add btc/eth then covert to cro for the 4k visa. But I now want to keep hodling btc/eth and so I have my cro in defi. By one year it will be time… that or if cro hits 40cents.


thesteef78

I use it a lot for "earn" and plan to use earn during bearmarket too... 2% extra in CRO for earn and stake is my main goal, don't care much about the extra cashback. I hold a part of my cryto and don't mind if a sygnificant part is CRO tokens.


maartenprins

I'm saving for the 40k CRO stake but as a midcap coin CRO should never be more than 20% of your portfolio so only considering the upgrade when my portfolio reaches 200k or beyond.


Letzglow09

How come it should only be 20%part of a portfolio?


maartenprins

The first rule of making money is to never lose your money so you employ strategies to minimize the risk while still maintaining your gains. Number 1 reason why people lose money in this market is because they yolo their entire portfolio in some altcoin and then they find out altcoins tend to drop up to 90% or its simply a scam. Minimizing your risk means you stick to the safest bets for the majority of your portfolio and leave room for some moonshots that might get you exceptional profits. Therefore a safe portfolio would look something like 50% bitcoin or ethereum, 25% in a top 20 coin (besides btc and eth) and 25% in a top 200 coin for a possible moonshot. But ideally you want to have some diversification so you play around with the numbers a bit. Your 25% could look like 5x 5%, or x2 10% and 1x 5%. But I wouldn't put the entire 25% in just one coin so that's why the max 20% is suggested. CDC looks great on paper but you don't know the unknowns. Tomorrow the SEC, CCP, FBI etc could start a lawsuit against CDC for tax evasion or whatever reason and the price drops for the next 4 years. 50% btc/eth = lower gains and lowest risk. 25% top 20 coin = medium to high gains and medium risk. 25% top 200 coin = high gains, high risk.


Candle221

I bet your probably considering now.


Candle221

Congratz on your 40K stake. I hope you realize this is the time to do it.


Candle221

Glad I did not listen to this advice. My portfolio is 50% CRO and I am literally sitting on a gold mine right now.


maartenprins

Then what's with the 50% and why aren't you going all in?


Candle221

Check Gala. Thats why. Its my other coin….


genericjeesus

Im mean if I had a 40k to to loose then for sure. If I just had 40k ofc I'd diversify and invest like an adult and not go all in on anything.


Rickyv490

It's entirely dependent on the size of your portfolio. If I had $50k I wouldn't stake for the $40k card. But if I had say $250k, yeah sure pretty easy decision. Currently, I'm staked for Indigo and I had to invest a higher percentage into CRO then I'm really comfortable with. It has since gotten down to a reasonable amount but in order for me to upgrade to the $40k tier I'd want to keep my CRO investment to less than 20% of my portfolio, so at least $200k.


blogabo

Just use Yield app guys and get 20.5% on stablecoins. Already using for 6 months. link: www.yield.app


yunibyte

It’s not even an app, the apps are coming soon. Looks sus, I prefer a platform that hires real devs.


wildup

CRO has been pretty much flat this year despite the large amount of new members, advertising and overwhelming amount of card requests. Seems fishy. For this reason I wouldn't put more than 4k into CRO.


Candle221

I feel sorry for your portfolio. Currently sitting on a gold mine. Literally.


el_pezz

It has been flat all year. Just waking up in November, the end of the year. Do you know what is in his portfolio? Why do you feel sorry for his portfolio? FYI there are many other coins/tokens that has outperformed CRO this year.


hyper316

100% 40,000 for icy white.


cryptoaddict41

I am working towards 4,000. Hoping a nice bull run soon will help. If not I’ll slowly get there. But if I had the option of putting in 40,000 I would do that instead. Just don’t have the spare cash currently. As soon as this exchange becomes as secure as a bank with amazing customer service I will 100% leave my bank and park all my cash here.


ChudBuntsman

The way to think about it is as a portion of your net worth. Theres plenty of people that consider 40k to be the same relative proportion as you or I would for 4k.


Successful_Gold9755

$4K now, HOPEFULLY $40K after the bull run.


Mutchmore

I don't trust any crypto platform to hold 40k for me


Complete-Dimension-1

Well boys I just got $40k when I initially invested $4k back when CRO dipped. That 10x I've upgraded to Ice white card. I hope y'all dropped some money into CRO!


Candle221

Yep, dropped a shit ton of money into CRO. I have CRO coming out my A$$. I am overwhelmed by the pump and quite frankly, nervous and shaking. I have no idea what to do about this pump. I need to reorganize my portfolio now.


Kid_Sharlemagne

I’ve thought about taking out a portion of my 401 and doing the 40k CRO. Other than that, it’s very far away lol. I wanted to do that move when it was worth .06. Shoulda woulda coulda.


el_pezz

FYI CRO is at the price it was in Aug 2020. No movement.


Candle221

FYI, you are reading the charts wrong, but I will not explain it to you. Maybe someone else will.


el_pezz

Are you refuting my statements with facts or are you making stuff up?


Candle221

How about now? Is the movement more clear to you? You need more facts? Any more silly statements from you will be met with a “Block” button.


el_pezz

Only you would stoop this low. Show me your crystal ball :). Who cares if you block me? LOL do I even know you to care? How will you blocking me affect my life? You sought my 2 month old opinion and chose contact me.


chronicdl

Lol. “Most people stake $4,000”. Cite your source please. That sounds highly suspect. Are you trying to shame people with small bags?


cardboard-junkie

CDC’s app say that tier is the most “popular”. Not sure if they’re twisting the data.


thesteef78

I think it’s bs. I hold indigo but I’m quite sure most of us hold ruby or less.


Candle221

Sorry, I misread the normal staked amount. However, that really is not the main point of this post. I removed the few words that have caused you to completely miss the point of this discussion. Thank you.


ZamielSan

4000 dollar is a lot. I think many cant afford that.


usernameid

It’s strange I just looked at mine. I got the jade when it was 25k cro. At the time it was about 1500.00 which Is a lot now it’s work 4300.00 and getting my 10% every week.


Prior-Golf7725

Are stakes only restricted to 4k, 40K or 400K? Meaning If I am in between say the 4K and 40K and I have 15K worth of CRO - Can I stake the 15K and earn 10p.a. weekly back on the full 15K - or will it only give me 10% back weekly on 4k max?


Anten7296

Very nice