Top 6 CeFi Platforms: Earn Interest While HODLING

Last updated: Dec 22, 2023
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The article discusses the potential of centralized finance (CeFi) earning platforms in the cryptocurrency space. It argues that these platforms are often overlooked due to unrealistic expectations of high returns and concerns about the risks associated with centralized lending platforms. However, the article suggests that there are several reputable CeFi platforms that offer decent annual percentage yields (APYs) and employ various strategies to generate yield with varying degrees of risk.

The article provides a brief overview of CeFi and decentralized finance (DeFi) and highlights the differences between the two approaches. CeFi platforms rely on centralized entities, such as banks, to manage and facilitate financial transactions, while DeFi operates on decentralized networks using blockchain technology and smart contracts. The characteristics, advantages, and challenges of both approaches are discussed.

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The article then introduces and provides an analysis of six top CeFi platforms that offer yield to users. These platforms include Nexo, Cryptocom, YouHodler, SwissBorg, Yield App, and Wirex. Each platform is evaluated based on its lending and borrowing features, interest rates, and additional services.

Nexo is highlighted as a popular lending platform that offers high returns on various cryptocurrencies. It also allows users to borrow against their NFTs, a unique feature. Cryptocom is described as a comprehensive platform that offers crypto loans, trading, an NFT marketplace, and a crypto card. YouHodler stands out for its support for various currencies and unique features like Turbocharge and MultiHodl, which allow users to leverage their assets to take out loans. SwissBorg is presented as a user-friendly platform that provides access to DeFi protocols and offers competitive APYs. Yield App is praised for its risk-averse approach and robust security framework. Wirex is noted for its all-in-one crypto platform that offers a crypto debit card, savings accounts, and borrowing services.

Newsletter Inline

The article concludes by reminding readers that the APY rates mentioned are subject to fluctuation based on supply and demand. It emphasizes that the choice of platform depends on individual preferences, risk tolerance, and desired characteristics of the financial ecosystem. It also mentions decentralized storage options as a potential alternative to centralized platforms for long-term passive investments.

The article discusses the potential of centralized finance (CeFi) earning platforms in the cryptocurrency space. It argues that these platforms are often overlooked due to unrealistic expectations of high returns and concerns about the risks associated with centralized lending platforms. However, the article suggests that there are several reputable CeFi platforms that offer decent annual percentage yields (APYs) and employ various strategies to generate yield with varying degrees of risk.

The article provides a brief overview of CeFi and decentralized finance (DeFi) and highlights the differences between the two approaches. CeFi platforms rely on centralized entities, such as banks, to manage and facilitate financial transactions, while DeFi operates on decentralized networks using blockchain technology and smart contracts. The characteristics, advantages, and challenges of both approaches are discussed.

The article then introduces and provides an analysis of six top CeFi platforms that offer yield to users. These platforms include Nexo, Cryptocom, YouHodler, SwissBorg, Yield App, and Wirex. Each platform is evaluated based on its lending and borrowing features, interest rates, and additional services.

Nexo is highlighted as a popular lending platform that offers high returns on various cryptocurrencies. It also allows users to borrow against their NFTs, a unique feature. Cryptocom is described as a comprehensive platform that offers crypto loans, trading, an NFT marketplace, and a crypto card. YouHodler stands out for its support for various currencies and unique features like Turbocharge and MultiHodl, which allow users to leverage their assets to take out loans. SwissBorg is presented as a user-friendly platform that provides access to DeFi protocols and offers competitive APYs. Yield App is praised for its risk-averse approach and robust security framework. Wirex is noted for its all-in-one crypto platform that offers a crypto debit card, savings accounts, and borrowing services.

The article concludes by reminding readers that the APY rates mentioned are subject to fluctuation based on supply and demand. It emphasizes that the choice of platform depends on individual preferences, risk tolerance, and desired characteristics of the financial ecosystem. It also mentions decentralized storage options as a potential alternative to centralized platforms for long-term passive investments.

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Newsletter Inline
Pros
Security: CeFi platforms are centralized, which means they are responsible for security and can provide customer support services and password resets that DeFi services do not offer
Ease of use: CeFi platforms usually have an easy-to-use interface, which makes them accessible to a wider range of users
Higher yields: CeFi platforms often offer significantly higher yields than traditional banks and savings accounts,
Cons
Trusting a centralized entitiy with your funds may not be for everyone. There were hard lessons learned from users who lost millions on platforms like Celsius, Voyager, BlockFi and FTX
Centralization: CeFi platforms are centralized, which means they are controlled by a single entity and are subject to regulatory oversight
Counterparty risk: CeFi platforms are subject to counterparty risk, which means that users are trusting the platform to hold their funds and pay them interest

Perhaps the most underrated and under-utilized potential for cryptocurrency is leveraging the benefits of CeFi earning platforms. Why I believe many overlook the opportunities offered here is that the yields don’t always match our expectations when crypto is the topic.

Many get into crypto for those +100% earnings in a couple of weeks rather than earning a consistent and stable 10% or so a year. Another potential reason why crypto investors may be shying away from centralized platforms in recent history may be because the painful memories of lending platforms like Celsius and BlockFi are still fresh in our minds.

However, we shouldn't let a couple of mismanaged platforms that imploded due to irresponsible and risky lending practices taint the entire industry, as there are a handful of centralized platforms out there offering decent APYs and utilizing a myriad of different strategies to generate yield with varying degrees of risk.

In this article, we'll go through the top 6 centralized (CeFi) platforms that are offering yield to users, APY which is generated by lending and/or DeFi utilization. 

I know some of you reading this may prefer DeFi platforms to centralized crypto platforms, but seriously, some of these CeFi platforms are great and there are many benefits these platforms offer such as brilliantly designed interfaces, beginner-friendliness, and easy “one-click” access to DeFi protocols, removing the complexity that exists in DeFi. Plus, we still aren't at the level of adoption where everyone is comfortable with self-custody and the responsibility of managing their own funds, so these platforms offer a great alternative.

Quickly before starting, we should point out that not all of these platforms are available globally, and the United States has taken a hard-nosed stance against many crypto companies, including many of those on this list, so you’ll have to check on that before using them. 

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Before diving into the Top CeFi Platforms, let's quickly cover what CeFi is.

What is CeFi (Centralized Finance)?

Crypto users love shortening terms, I don't know why... Perhaps we are a lazy bunch. CeFi is short for Centralized Finance. The term "centralized" highlights the fact that there is a centralized authoritative body that has ultimate control over the platform and all user funds. It's essentially centralized crypto, similar to how banks operate with full authority over our bank accounts and the funds held within them. 

This is in contrast to DeFi which stands for decentralized finance. The term "decentralized" highlights the fact that there is no central authority, everyone who participates in the DeFi platform keeps full control over their funds, and their crypto is not handed over to the centralized company for custodianship.

CeFi vs DeFi

CeFi and DeFi represent two contrasting approaches in the financial system, each with its own set of characteristics, advantages and challenges.

CeFi

As noted, CeFi relies on centralized entities, such as banks or financial institutions, to manage and facilitate financial transactions, which often involve intermediaries, leading to a hierarchical structure. Here are the main characteristics of a CeFi platform.

  • Trust: Users trust centralized entities to secure and handle their funds and financial activities.
  • User-Friendly: CeFi platforms are often user-friendly, providing familiar interfaces and customer support.
  • Account Verification: Users typically undergo identity verification (KYC) to use CeFi services.
  • Compliance: CeFi entities are subject to regulatory frameworks and must comply with financial regulations.

DeFi 

  • Peer-to-Peer: DeFi operates on decentralized networks, often using blockchain technology and smart contracts for peer-to-peer transactions. This removed the need for intermediaries.
  • Trustless System: DeFi aims to create trust through smart contracts, eliminating the need for trust in centralized entities.
  • Open Access: DeFi is generally more accessible, allowing anyone with an internet connection to participate.
  • Permissionless: No mandatory identity verification in many DeFi protocols.

Considerations

  • Risk and Security: CeFi may offer traditional security measures, while DeFi introduces smart contract risks.
  • Innovation: DeFi is often associated with rapid innovation and the development of new financial instruments.
  • Interoperability: CeFi and DeFi can coexist, and efforts are being made to enhance interoperability between the two systems.
  • Philosophical Differences: CeFi represents a traditional, centralized approach, while DeFi embodies the principles of decentralization, autonomy, and financial inclusion.

Ultimately, the choice between CeFi and DeFi depends on individual preferences, risk tolerance, and the desired characteristics of the financial ecosystem one seeks to engage with.

Top CeFi Platforms

You may also hear the term CeDeFi which is a bit of an oxymoron standing for Centralized Decentralized Finance. This term is sometimes used for crypto lending companies as they are centralized platforms that offer decentralized crypto products.

Each of the companies mentioned in this article falls under the CeFi or CeDeFi category (interchangeably) as they are centralized entities offering crypto products that were traditionally only available on DeFi platforms.

In no particular order, here are 6 CeFi platforms that have withstood the test of time.

Nexo: Great CeFi Rates

**Notice**⚠️ In January 2023, Bulgarian authorities announced a raid on Nexo, with allegations of legal misconduct including organized crime affiliations, fraud, tax evasion, money laundering and more, all of which are being actively investigated. Nexo has responded with a counter-suit and denied wrongdoings. The investigations are still ongoing. We recommend users research these allegations for themselves before choosing to sign up for Nexo.

Nexo is a subsidiary of Credissimo that was founded all the way back in 2007. The Nexo platform was deployed in 2018. To date, Nexo has paid over $500 million in interest, gathered over 6 million users in over 200 jurisdictions and supports 60+ different cryptocurrencies. Nexo offers both lending and borrowing as well as a crypto credit card. Nexo also has its own native token called NEXO.

Starting with lending, Nexo has some of the highest rates for almost all tokens they offer, beating out most of the competition from an ROI perspective. However, let's not forget what we've seen happen to previous platforms that offered unsustainably high returns. We aren't saying that Nexo is, but keep the old adage in mind “If it seems too good to be true..”

The interest on your Bitcoin and Ether can be as high as 8% if you opt for a fixed term and get paid in Nexo tokens. Other interest rates are also pretty high, DOT at up to 15%, and then we've seen assets such as AVAX and MATIC offer holders limited-time boosted rates of 17% and 20% respectively.

For stablecoins, the rates are up to 16% but what really differentiates Nexo is that you can lend fiat money too. Currently, it’s possible to lend USD, EUR, and GBP, the rates are the same as for stablecoins. What’s also different with the Nexo CeFi platform is that the interest earned is paid daily while some platforms pay weekly. However, while some might enjoy this depending on where you live, I would not since it would be a huge burden to keep up with the taxes, so make sure to check what the reporting requirements in your country are and be sure to follow them.

Top CeFi Platforms
A look at all the assets and their rates on Nexo. Image via Nexo. 

When it comes to borrowing crypto, you’ll be happy to know that interest rates can be as low as 0% in certain situations, and they never exceed 13.9%. 

What caught my eye in borrowing with Nexo is that they’ve deployed the possibility to apply for a loan against your NFTs. Currently, they support two collections, Crypto Punks and Bored Ape Yacht Club. When applying, you can get up to 20% of the floor price. This is something many platforms haven’t yet done and I’m sure there will be good demand for this, especially when the next bull run comes along. Still, when talking about NFTs be careful when lending against them since we have seen how the prices of NFTs have crashed during a bear market and even that 80% buffer might not be enough.

Other features on Nexo include the already mentioned crypto card as well as an exchange for crypto swaps and trading. The Nexo card is issued in partnership with Mastercard so using it pretty much anywhere shouldn’t be a problem. The card earns you up to 2% cashback and additional benefits on the Nexo site. However, before ordering it I suggest reading this piece on Coin Bureau and watching this video, both of them are about the best crypto cards on the market.

Nexo Tier Status
A Look at the Tiers Available. Image via Nexo 

To wrap up Nexo, this platform has become the most popular and widely used lending platform on the market, and for good reason. After competitors Celsius and BlockFi faced liquidity issues, Nexo has proven itself to be the more secure, safe, and sustainable platform, while still providing some of the best rates and features in the industry.

Crypto.com: Crypto Loans and More

Crypto.com has become a go-to platform for users with various different crypto needs. This powerhouse platform supports just about everything crypto-related such as trading, an NFT marketplace, a self-custodial DeFi wallet, their own blockchain network, one of the most popular crypto cards, an attractive Earn program, and of course, crypto loans.

Crypto.com vision
Image via Crypto.com 

With Crypto.com, users can earn interest on their crypto holdings up to 12.5% APY through the Earn program, and take out crypto-collateralized loans up to 50% LTV. Interest rates will heavily depend on how many of the platform's CRO tokens a user stakes and the TVL selected. Here is a look at the repayment rates for crypto loans:

Crypto.com interest rates
Image via Crypto.com 

Users who take out crypto loans on Crypto.com can pay the loans back on their own schedule and can deposit 20+ crypto assets as collateral, borrowing PAX, TUSD, USDC, or USDT without credit checks, statement deadlines, or late fees.

As far as the Earn program goes, Crypto.com users can earn passive income on 37+ crypto assets, making this one of the best earn programs available, with up to 6.5% p.a on USDC stablecoin, and some of the highest returns on multiple altcoins depending on how much CRO the user stakes.

Here is a look at some of the returns available:

Crypto.com Earn Rates
Image via Crypto.com 

You can learn more about Crypto.com and find out why they are considered one of the top crypto platforms in the industry in our Crypto.com Review.

YouHodler: Unique CeFi Provider

YouHodler was founded in 2018 and differentiates itself by supporting a multitude of different currencies and unique features. Users of YouHodler appreciate that the platform is regulated in the EU and Switzerland. 

As with all the others, let’s start with lending. YouHodler offers competitive interest rates of up to 15% on most stablecoins, 4.5% on BTC and ETH. On top of that, they have rates on coins like YFI (4.5%) and Sushi (7%). Altogether YouHodler supports over 50 different cryptocurrencies. The interest is paid weekly in the same currency you deposited, nothing new here.

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Couldn't fit all of them in one picture but here's most of them. Image via YouHodler

The borrowing side is also fairly similar to others excluding one major difference. On other sites, the amount you can borrow on your collateral is around 50% while YouHodler allows as high as up to 90% and you can use all of the top 20 coins as collateral.

Now, while some might think this is great, I find it a bit scary. That’s because cryptocurrencies are extremely volatile, and your collateral might easily drop in value and leave you with a huge amount of debt compared to what’s left of your collateral. Speaking of collateral, YouHodler also offers the possibility to provide NFTs as collateral but that needs to be applied for separately. Now I don’t know which collections are supported but my guess would be that those blue-chip NFTs like BAYC and Punks are among them.

Youholder Multi Hodl
I only agree with the max 20% here (although 0% is what I would prefer), there is risk with "traditional" savings and potential loss in Multi-HODL is higher than 50%! Image via YouHodler. 

The two features not offered on other platforms are Turbocharge and Multi-Hodl. These are essentially borrowing, and lending combined with steroids. When using this what happens is that you put your coins as collateral and take a loan with which you’ll buy more crypto which will again be used as collateral for a new loan, and so on (everything is done automatically of course).

What should immediately go through your mind is the extremely high risk of this and as a personal opinion, I wouldn’t suggest this to anyone. The potential gains are nice, but you can lose a lot of money with this which is why YouHodler itself doesn’t suggest allocating more than 20% to this and the rest in traditional savings (traditional meaning the normal crypto lending).

 Newsletter Inline 

SwissBorg: CeFi and Crypto Exchange

SwissBorg is quite a bit different from some of the other mentions on this list. This centralized finance platform is one of the most user-friendly crypto apps and angles itself as more of a crypto wealth management platform.

Swissborg was founded in 2017, is fully regulated, offers a fiat on and offramp, exchange services, and has since gathered over 1 million users with over $1.6 billion on the platform. Different from lending platforms, SwissBorg doesn’t offer loans, all yield is generated from leveraging DeFi protocols and blockchain-based earning methods such as staking. But how are the yields?

Well, I have good news and bad news. The yields are pretty good IF you have the Genesis premium plan, which boosts your earnings by 2x, but you need to hold 50,000 BORG tokens, which is no small investment. If you have the Genesis premium, you’ll be earning 4% on stablecoins and for BTC and ETH, roughly 1% and 5% respectively. Note that these rates vary dramatically and frequently as the returns fluctuate with DeFi yields. I have seen Solana returns, for example, fluctuate from 9% to 1.3% over the course of a few months as supply and demand economics are in effect.

Now you might be wondering what else you can earn interest on. Sadly, there’s not much to wonder about since including those mentioned above, SwissBorg only supports earning on 14 different cryptocurrencies. The highest yield here is that of the APE token, and currently, the rate is sitting at 20%.

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A Look at Some of the Interest Rates. Image via SwissBorg

Although the APYs aren't as high as platforms such as YouHodler and Nexo, users have come to appreciate SwissBorg for many of the products that make up the full suite such as the analytical tools, portfolio statistics, swap aggregator, the first launchpad of its kind, and the revolutionary Thematics investment products which we cover in our Swissborg Review

On top of that, SwissBorg instils confidence in its users thanks to their transparency around product offerings and users have come to respect that SwissBorg does not engage in any such shenanigans that many lending platforms are accused of that resulted in the demise of Celsius, BlockFi and Voyager.

Yield App: Digital Wealth Platform

Yield App is a regulated digital wealth platform that offers a good rate of return on many of the leading cryptocurrencies. What sets Yield App apart from many mentioned on this list is its risk-averse approach to yield generation strategies and the high calibre of talented and experienced individuals who founded and currently manage the platform.

Unlike some platforms, Yield App abstains from risky practices like unsecured lending, leveraging, or asset swapping, and takes one of the most robust approaches to the safety and security of users' assets in the industry. Their comprehensive security framework has resulted in the platform running since 2020, surviving bear markets and the events and practices that resulted in the collapse of competing platforms.

yield app.jpg
Image via yield.app

The yield generated by this platform is derived from its access to DeFi protocols and its involvement in arbitrage trading.

Yield App has gained recognition in the European Union as a Virtual Assets Service Provider (VASP), registered by Italy's Organismo Agenti e Mediatori (OAM). Furthermore, Yield App has recently integrated with Fireblocks, a leading wallet service provider that features insurance on all assets in custody and in transit.

With a user base exceeding 100,000 located in over 140 jurisdictions, Yield App has processed over $2 billion in customer assets, both retail and institutional. Customers on the platform can earn up to 11% on stablecoins and an impressive up to 7% on Bitcoin and 7.5% on Ethereum depending on user loyalty level and lock-in terms.

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A Look at the User-Friendly and Well-Designed User Interface.

Yield App is a good choice for those looking for a secure platform to earn yield on idle assets. You can learn more about it in our in-depth Yield App review.

Wirex: CeFi for the Masses

Founded all the way back in 2014, Wirex is a good all-in-one crypto platform for those looking to buy, sell, hodl, borrow, and spend crypto. Wirex is a regulated and trusted platform, founded by three members with over 40 years of experience working in the Fintech industry and is based in the UK, with additional locations in the United States, Ukraine, Ireland, and Singapore.

Wirex has a simple mission, and that is to make traditional money and cryptocurrency equal and accessible to everyone. Wirex launched one of the first crypto debit cards and supports over 45 digital and traditional currencies, allowing users to buy, store, exchange, or spend at over 80 million merchants worldwide.

Wirex
Image via Wirex 

In addition to their crypto debit card which offers up to 8% cashback on spending and zero exchange fees on FX, the platform also offers what they call X-Accounts. This feature is a simple and secure way to earn up to 12% interest by simply holding a variety of cryptocurrencies and stablecoins. Wirex offers among the highest APYs available for those looking to earn some passive income on their hodl stash.

Wirex X-Accounts Are a Great Way to Earn APY. Image via Wirex
Wirex X-Accounts Are a Great Way to Earn APY. Image via Wirex 

Following the success of the widely popular crypto card and X-Accounts, Wirex decided to up their game and now offers borrowing services as well. Through Wirex Credit, users can instantly take out a credit line against their crypto so there is no need to sell those moon bags if you need short-term access to funds. Customers can choose to borrow against their BTC, ETH, or Wirex's native WXT token. Here are the benefits of Wirex Credit at a glance:

  • Borrow up to 80% of the value of your holdings
  • Pay just 10% APR- Interest is calculated daily, so you only pay on the days you have an open credit line. Some currencies can be borrowed with as low as 0% interest.
  • Credit line allows users to borrow NXDUSD, USDC, USDT or DAI
  • Instant approval of the credit line, funds are made available straight away and can be spent on the Wirex card

Wirex customers feel confident in their platform of choice, as it has a long-standing history and a good security record. Wirex follows industry best practices when it comes to security and boasts the following security features:

wirex security
Image via Wirex

If you’re looking to borrow, hodl, spend, earn, or just incorporate crypto more into your daily life, Wirex is a platform worth checking out.

Top CeFi Platforms: Conclusion

Before getting to the conclusion, it's worth another reminder that the rates stated here do fluctuate based on supply/demand. Those high rates for DOT might quickly fade if more people lend them and as interest leaves the industry. Also, the total amount you receive does take a hit if the underlying asset falls in value so don't trust all the calculations you do to a full 100% since your earnings will fluctuate.

Now, when it comes to which you should use there’s no definitive answer and different folks prefer different platforms for different reasons. Those with a security-minded preference will likely opt for platforms like Yield App and SwissBorg, while others who only care about high APY are likely to choose Nexo or YouHodler. All of them come with their own pros and cons, therefore it’s your job to weigh which centralized crypto platform is right for you. However, it is worth mentioning that if you intend to hold your investments passively for an extended time, exploring decentralized crypto storage options is worth exploring over these centralized alternatives, owing to their greater security.

Then if not only picking from these options is hard, there are several more options to take into consideration for great exchange platforms. These include the likes of Binance and KuCoin, which both offer competitive earn features. And to make it just a tiny bit harder, you also have the whole DeFi space to explore, but that’s a topic for another day.

Frequently Asked Questions

Where does the yield come from?

Centralized lending platforms like Nexo will take the crypto deposits that users deposit on the platform and lend them out at higher interest rates, then disperse loan repayments to lenders in the form of yield. All the lending and borrowing is taken care of by the company so all customers have to do is deposit funds and the platform takes care of the rest.

Other platforms like Yield App and SwissBorg will offer blockchain staking or tap into DeFi protocols and participate in decentralized lending while also partaking in arbitrage strategies to generate yield.

How does Bitcoin lending work?

Many of these platforms provide the option to lend and borrow more than just Bitcoin but we will use Bitcoin as an example. Crypto lending works similarly to traditional lending from a bank, the only difference being that any crypto user can become a lender by depositing funds, no longer making this just a banker's way to make money.

Cryptocurrency-backed loans use digital currency as collateral, similar to a securities based loan, or say, a mortgage, where the loan is backed by the value of a home. So if I have one Bitcoin, I can deposit it onto a crypto lending platform where it is "locked up" and I can borrow an amount less than the value of the Bitcoin. Like a regular loan, customers pay back the funds over a specified period and they were able to access funds without having to sell their Bitcoin which is a win-win.

When getting a crypto-backed loan, depending on the platform, customers can put up a multitude of different crypto assets up for collateral and borrow up to 70% of the value of their holdings depending on the platform. The funds that the customer looking to borrow can be other cryptocurrencies, stablecoins, or even US dollars that can be wired to a bank account.

Are crypto loans safe?

There are always risks involved in financial products. From a lending perspective, there is always the risk of major macroeconomic events causing mass liquidations of loans, when borrowers are not able to pay back their loans. This is a risk in both traditional and crypto finance, we saw an extreme case of this in traditional finance in the 2008 financial crisis.

From a borrower's perspective, using crypto as collateral is riskier than traditional secured loans due to the extreme fluctuations of cryptocurrencies. There is a risk that the crypto put up for collateral can drop significantly in value over a short time, leading your loan-to-value ratio to fall outside of the appropriate ratios and result in the liquidation of your collateral. Crypto lending companies will notify you when your loan-to-value (LTV) ratio is reaching these levels and from there you will need to choose to sell some of your collateral or put up more funds to bring the LTV back in line.

Crypto lending is also a hot topic for regulators and we have seen crackdowns on platforms like BlockFi, Voyager and Celsius so regulatory changes also pose a risk to these CeFi lending platforms. We have also seen two of the most popular crypto lending platforms BlockFi and Celsius become insolvent and file for bankruptcy in 2021 as a result of poor money management, resulting in customers losing access to their funds. This lead to many in the crypto industry feeling that keeping funds on a centralized platform to earn yield is not worth the risk at this time.

Editorial Team

The Coin Bureau Editorial Team are your dedicated guides through the dynamic world of cryptocurrency. With a passion for educating the masses on blockchain technology and a commitment to unbiased, shill-free content, we unravel the complexities of the industry through in-depth research. We aim to empower the crypto community with the knowledge needed to navigate the crypto landscape successfully and safely, equipping our community with the knowledge and understanding they need to navigate this new digital frontier. 

Disclaimer: These are the writer’s opinions and should not be considered investment advice. Readers should do their own research.

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