Please read rest of sentence.

I am using them since may 2019, when they were closed to Northern Ireland customers and some parts of UK only (could not access them if I did not use UK ip)

I use them long before that site was registered. They were harvest investment back then, different site, same people, and not available worldwide.

My current portfolio is 40% BTC, 25% ETH, 10% ADA, 5% XMR, 5% USDC and rest in XRP, CRO, LINK and DAI.

From those, 50% are in my ledger, and I keep them aside. 10% I use for daily trades. rest of 40% I lend out and earn interest : at blockfi.com (20% of BTC at 6%),at apyharvest.com(80% BTC at 7.21%, ETH at 7.82%, USDC at 14.96%...), and crypto.com (just CRO to have their jade card).

Interest I earn by lending 40% of my crypto is more than enough for all my expenses and active lifestyle.

Yes, it is time, but should be careful, and for start introduce them only to bitcoin. Let them all discover themselves ETH and other big alts, not mentioning bigger crypto projects.

They are completely low key. Do not expose at all. I know personally at least 3 high end users holding there above 50 BTC each, one of them refer me to apyharvest. They were before just Harvest Investment, and opened this global website few months ago. Still not degrading their quality service, still have same personal touch and fast reply like I had year ago. Remember - the ones who show off they wealth are those who are poorest.

Same as 95% of 2017/2018 ICO turn out to be scams, to many DEFI projects slowly or fast show their bad intentions. It is very dangerous zone of crypto right now.

I do not think libra will have any connection with Facebook servers. It will use BFT consensus approach, so it will need network of validators.

IMO not kill it, but cause some disturbance in force for sure. I like polka, hold some and gain nice profit on it.

They are legit 100% . Same like Celsius and Blockfi.

I am using them since may 2019, when they were closed to Northern Ireland customers and some parts of UK only (could not access them if I did not use UK ip)

They do all they work via email, but they replay in 4h average in my case, never longer than 10h - which is superb. I wait for last celsius support email reply for 72h straight...

I have all my conversations with their crypto bankers from start, which is also neat to compare what I hold, earn an did in all this period.

If you need referral code, send me direct message, I do not want to share it publicly.

IMHO you can trust all of them except maybe Nexo - they are shady. I had bad experience with celsius, they support reply in 72h , and that is ages in crypto. But they are legit. I lost on crypto.com because I was greedy and stupid to chose to earn in their own currency, MCO, which lost value so much that all my interest rewards were lost - learn hard way double lesson there - NEVER lock your coins at any platform - if you cannot withdraw in 24h you can lose alot. And never get rewards in platform currencies - only in kind or in stable coins (if they offer that option). Blockfi.com is very nice, their platform sometimes throttle but works. Pity they offer just 8 coins. I am big fan of apyharvest.com way of work - they do all with personal crypto bankers, on email, and reply and process requests always in less than 12h (in my case 4h average). Rates are perfect, referral rewards too and I trust them 100%.

I agree mostly with comparison, only thing is that i do not like celsius way of just talking bad about competition, while they had 2 days no access and almost lost domain last month.
I earn on my crypto with blockfi.com and apyharvest.com . I feel safe there.

DEFI's are more like small masternode coins. At peak mid last year , there was above 500 of them. All promising 200% APR and more, and some of them even looking solid.

But at the end, after many users get scammed or burned, just few of those masternodes survive...

I see same future in DEFI. Yes , few could earn 500% APY yearly, but only at start, and then hundreds or thousands will lose.

It cannot be legit and sustainable if it is above 20% yearly, even that is to much.

That is why more and more users use celsius.network, crypto.com, apyharvest.com, blockfi.com and nexo.io

AAVE is defined as completely legit, and as full DEFI, it should be more safe than any of CEFI's mentioned above...BUT...why would anyone hold USDT there @ 4.36% APY when they can hold @ 10.51% APY on celsius? Or why would anyone hold ETH there on AAVI @ tiny 0.13% APY, when they can hold and get 7.82% @ apyharves

Without institutional crypto borrowing, there is no DEFI that can survive, and it is close to impossible to get legal institution to provide liquidity to something decentralized and non-AML(KYC).

CEFI on other hand is booming, and IMHO it is a way to do. And they do favor to crypto, by switching more and more fiat bank holders to crypto, because we all know how much fiat banks do not give.

well at this current scenario 90% of them are scam projects and the one which looks so active and busy wont mean they are legitimate
they might be faking in all aspects , and i hope your not to promote your project here 

amount might be small but what is the point in decentralisation, it lost because of negligence by bnb holder
everyday there are many mistakes and lost fund is happening and no one cares much for that
just cz wants to create a good image of himself at this hard time and he wont keep doing that any further

I got a good long brake from usually days and I am enjoying this lockdown in my own way without any stress , I wanted long brakes like this , roads are silent without sounds of car , horns where ever I go everything is silent and clam

India has allowed HCQ exports to not only to America but to many other countries , and pharmaceutical  companies have increased production by 10 times , US got some HCQ orders cleared out and INDIA did a good job lifting export ban many countries need medicines to save life and mass production of this drugs is needed to fulfil the requirements

advises are good if newbie follows them , most of them just reads them and think that its good advice but none of them implement it to trading they do what they do , in real situation they do what they do

should follow , but they wont follow because they don't know how to do , they  want quick and easy money

while your country situation is good then some of the others , if government is taking steps to contain virus then everything is well and fine or else you may see situations get worst like other countries

if we live we can do something or regain what we lost in gambling , if we did get infected by corona virus we need to spend money to get hospitalized if there are vacancy available in  hospitals , for me life is important then anything , in gambling we have second chance to make money but life is only one time

btc halving will increase demand of btc , but people now as no jobs due to lockdown so there is no money with people or less money , all stock markets are crashed all this to recover it takes almost a year ,after  corona virus is contained

I am reading some books and doing pending work , watching web series and movies and  just chilling in home that's all