After all that happened with all those lending and earning platforms that have gone bust, why would you risk your money for that 12% when even if we're not talking about wirex going bankrupt that coin could go down 50% in value and wipe all the interest earned?

It was exactly this kind of crap, with the Duo accounts claiming 280% APY on some pairs that made me stop depositing a penny on wirex and using their debit card. This combined with the fact that I needed to first earn around 300 euros worth of WXT (so spending 60k with the card) before they would allow spending my "cashback" earnings!

There is no such thing as perfectly safe or profitable around here!

Ps, since I logged in on my account, on what they offer 12% on Earn accounts, I don't see anything more than 9%?