Liquidity! Exchanges, brokers, projects (like us) always need liquidity. As example Jarvis needs a lot of liquidity to provide Forex or for a fiat gateway. And we are ready to pay up to 10% a year for that. So Companies like Jarvis pays up to 10% a year to companies like Celsius, Celsius gives back 7% to the user, and keep the rest. Actually Celsius keeps 20% of the interests earned, giving back 80% back to customers.