Kung may P1Million ka kinita sa crypto ilalagay mo ba dito sa MariBank?

[Peanutswar]

Siguro if extra from the extra money like alam mo yun may secured kana emergency funds so may extra money kapa na bukod sa for investment mo is may tinatawag akong "extra extra money" ito yung talagang willing ka mawala talaga kahit anong gawin mo siguro dito ko ipapasok ito kasi currently as per checking kasi is MP2, Maya at itong MariBank ang isa sa mga malaki mag bigay ng mga APY nila so if tayo willing tayo mag stake ng pera is sure ako dito ko nalang din imbak kasi syempre passive income pa ito eh bukod sa earning mo sa crypto tsaka imagine ganyan kalaki pwede mo kitain ng wala kang ginagawa pero ako I do not recommend staking na sobrang laking ganyan id rather distribute pa din ung asset ko kasi digital bank pa din sila if nag ka issue tas large sum ng money mo andun sakit talaga sa ulo yan.

[Questat]

Maganda naman talaga yung offer kasi mataas ang interest kumpara sa mga commercial banks like BDO and BPI na wala pang 1% per year. Malayo ang difference kung papark mo lang yung pera mo.

Ang concern lang sa MariBank, technically rural bank pa rin sila. And to be honest, maraming rural banks na nagsara before dahil sa poor management. So nandun pa rin yung risk factor, kahit sabihin mong regulated sila.

Although matagal na daw yung bank na ‘to, founded pa around 1965. Hindi lang sila originally MariBank. Nagsimula as Banco Laguna, then naging SeaBank Philippines, ngayon MariBank na. Iba iba ang pangalan over the years, so most likely may mga new investors na pumasok or nag change ownership. Hindi naman automatic bad sign yun, pero something to think about din.

Reality is, rural banks usually offer higher interest kasi hindi nila kayang tapatan ang trust at size ng established commercial banks. So they attract depositors through higher rates. Mas mataas return, pero mas mataas din ang perceived risk.

Actually marami pa namang ibang online banks or apps na nag ooffer ng mataas na interest like:

1) Maya Bank – 3.5% p.a. base, puwedeng ma boost if active ka sa transactions
2) Netbank Mobile – around 6% p.a.
3) Tonik Digital Bank – around 4% p.a.
4) RCBC DiskarTech – around 4% p.a.
5) GoTyme Bank – around 4% p.a.
6) BanKo – around 5% p.a., parang microfinance arm ng BPI

[PX-Z]

Ang concern lang sa MariBank, technically rural bank pa rin sila. And to be honest, maraming rural banks na nagsara before dahil sa poor management. So nandun pa rin yung risk factor, kahit sabihin mong regulated sila.

This is true based sa statistics ng mga rural banks na nag sara compare sa commercial (or other kind of banks) ay dahil sa insolvency or liquidity issues. But so far Maribank is different, because they focus on digital, or baka mag apply or change bank category na sila na maging digital bank since they are digitally focused.