Been using this app for a couple of months now, mostly for holding and testing the card. Honestly, the idea of spending without selling crypto actually works smoother than I expected. Interest keeps coming in daily which is nice. The only thing is it takes a bit of time to understand how credit and collateral work. Once you get it though, it makes sense. Overall pretty solid.

My bad experience hope this can help posterity:Having invested $1,000 to purchase gold membership and farm points. But I have identified several critical issues:Capital Loss and Rewards Dilution: Following the "drift incident," my funds were entirely lost. Furthermore, the subsequent decision to promote all affected users to the next level has effectively diluted the value of my accumulated XP, as the higher point multiplier is no longer an advantage for paid users.Pricing Inequity: It is disheartening to see the membership tier I purchased at a premium now being offered to new users at a significantly lower price point without any compensatory measures for early adopters.Operational Inefficiencies: There is a recurring lack of proactivity regarding financial obligations. Referral bonuses and card purchase refunds were only processed after I manually intervened and contacted the team.Concerns:Risk Management: The 100% exposure to a single protocol suggests a lack of robust risk mitigation strategies.User Retention Strategy: The current team’s approach prioritizes new user acquisition at the direct expense of early, loyal supporters. Support Standards: For a high-tier membership, a at least 48-hour response time is inconsistent with the expected level of premium service as advertised.

At first I couldn’t figure out why my available balance was lower than expected. Turns out only part of your crypto becomes credit depending on the asset. Took me a while to understand that logic. After that, everything started to feel more predictable. Maybe needs better explanation inside the app.

Everything works, transfers are fast and the card seems fine, just wish it was a bit clearer what amount you can actually use at any moment.