I recently joined blockfi and use Celsius too. Love being able to passively earn BTC! I also use Luno and their savings account at 4%. The app is really easy to use and you can set up auto payments and accrue Bitcoin on auto pilot. Only pays interest once per month and so far only offers interest on BTC.
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I'm the same way. I will have to look into Luno more. I didn't have any experience with using it yet, so I didn't feel comfortable reviewing it in my post. Thanks!
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