They lie.

On
https://help.whaleclub.co/hc/en-us/articles/115006399607
they write that total cost (spread+fee) for BTCUSD is only 0.16% but on their page
https://whaleclub.co/markets
they say that their BTCUSD spread is 0.44% !

ETHUSD spread 3.05% !!!!!!

And those BTCUSD financing rates. Are those daily rates or what?! 4%?