David B., [18.10.20 01:46]
https://www.reddit.com/btc/comments/jdagi3/whats_up_with_the_bchn_hypocrisy/
​
David B., [18.10.20 01:47]
Wut x2
​
J Stodd, [18.10.20 01:49]
[In reply to David B.]
Their words are meaningless. They have no principles. Wish i could comment but bitcoinxio banned me from rbtc and never told me why
​
David B., [18.10.20 01:59]
These comments are so toxic
​
Spoice, [18.10.20 01:59]
In reality, the real continuation of Bitcoin as we all know it is what is carried on by BCHN, BU, BCHD and others
​
Spoice, [18.10.20 02:00]
ABC is changing the rules to something that is not Bitcoin
​
Spoice, [18.10.20 02:00]
anyone denying those facts is selling you snake oil
​
Spoice, [18.10.20 02:00]
If Blockstream tried to take some % to their own benefit, we would have never needed BCH in the first place
​
Spoice, [18.10.20 02:00]
everyone would have rejected them in a second
​
J Stodd, [18.10.20 02:01]
[In reply to Spoice]
Bitcoin Cash is not Bitcoin to start with, so who cares?
​
David B., [18.10.20 02:01]
[ Album ]
​
Spoice, [18.10.20 02:01]
yet we have ABC trying to pull this theft and all those puppets think it's ok
​
Spoice, [18.10.20 02:01]
JSTodd that's bullshit
​
David B., [18.10.20 02:01]
Like trying to talk to a core maxi about altcoins
​
Spoice, [18.10.20 02:01]
Bitcoin Cash is the most Bitcoin out of all Bitcoins
​
Spoice, [18.10.20 02:01]
it is the continuation of what Satoshi started
​
David B., [18.10.20 02:02]
Tbh they aren't even toxic
​
Michael Nunzio, [18.10.20 02:02]
[In reply to Spoice]
If the hash follows then it is Bitcoin Cash. Only if it doesn't is your claim true
​
J Stodd, [18.10.20 02:03]
[In reply to Spoice]
Bitcoin is Bitcoin. Bitcoin failed to be Peer to Peer Cash, so Bitcoin Cash attempted to fix this by forking Bitcoin and attacking the root of the problem. This does not mean Bitcoin Cash is literally Bitcoin. Adopt a different argument. Sorry if you bought into that bc of Rogers rantings
​
J Stodd, [18.10.20 02:05]
Bitcoin Cash can replace Bitcoin, and if Bitcoin dies and BCH wins then sure maybe it can take its name from its grave, but they are different products, trying to say Bitcoin stopped being "Bitcoin" and became BCH is a self contradiction.
​
Jingles, [18.10.20 02:08]
Jstodd's got some good points.
​
Jingles, [18.10.20 02:08]
He's learnt so much in the last year ☺️
​
Spoice, [18.10.20 02:08]
"Bitcoin is Bitcoin" is a false statement. BTC is just an instance of Bitcoin. Bitcoin is the set of rules defined in the whitepaper first and foremost, it is peer to peer electronic cash. BTC no longer fits that criteria. Bitcoin Cash meets them. The fork proposed by ABC also fails to meet that criteria. Therefore the continuation of Bitcoin is in whatever BU, BCHN, Flowee and others will continue.
​
Jingles, [18.10.20 02:09]
What rules were defined in the WP?
​
Spoice, [18.10.20 02:10]
Let's see which rules aren't: 1) No coinbase tax going to any centralized entity such as ABC 2) No throttling of TX throughput such as BTC
​
Spoice, [18.10.20 02:10]
therefore they both fail the simple "Is this Bitcoin?" test
​
Spoice, [18.10.20 02:11]
Finally, Michael, if you think Hash rate defines what Bitcoin is, you should stick to BTC
​
Jingles, [18.10.20 02:11]
21 million coins isn't in the WP
​
Jingles, [18.10.20 02:11]
I asked what rules did the WP define.
​
Spoice, [18.10.20 02:12]
Because BCH failed that criteria since it forked, therefore your point is wrong
​
Spoice, [18.10.20 02:12]
https://www.metzdowd.com/pipermail/cryptography/2009-January/014994.html
​
Spoice, [18.10.20 02:12]
The announcement of the white paper included the 21 million limit, close enough
​
Jingles, [18.10.20 02:12]
HIs announcement isn't the WP
​
Spoice, [18.10.20 02:12]
show me where Satoshi said that Amaury shoudl tax the chain?
​
Spoice, [18.10.20 02:12]
Doesn't matter- close enough
​
Jingles, [18.10.20 02:12]
Bitcoin is the set of rules defined in the whitepaper first and foremost - You
​
Jingles, [18.10.20 02:13]
My ears pricked up on that comment, so I'm asking you what you meant.
​
Spoice, [18.10.20 02:13]
Correct. Changing the 21 million hard limit is still more Bitcoin than taxing the Coinbase, yet both will never ever happen. Not to Bitcoin anyway
​
Jingles, [18.10.20 02:13]
If you meant Satoj's writings pre and post WP then you should be clear about it
​
Spoice, [18.10.20 02:13]
some bastardized chain might, just not Bitcoin
​
Jingles, [18.10.20 02:14]
The closest we have to anything to indicate what is "Bitcoiness" is general things like "the longest chain"
​
Spoice, [18.10.20 02:14]
No, it is never a single thing
​
David B., [18.10.20 02:15]
REEEE
​
Jingles, [18.10.20 02:15]
trustless, no single trusted third parties, and rules can change due to incentives via consensus
​
Spoice, [18.10.20 02:15]
it is a set of common sense and experiment driven and historical relevance and initial parameters and "peer to peer electronic cash" definition indicators
​
Spoice, [18.10.20 02:15]
never a single thing
​
Jingles, [18.10.20 02:16]
[In reply to Spoice]
This is like the exact opposite of what you said earlier
​
Jingles, [18.10.20 02:16]
Bitcoin is defined by the rules in the WP, I mean common sense.
​
Jingles, [18.10.20 02:16]
🤷‍♂️
​
Spoice, [18.10.20 02:16]
Nope, the rule set is defined in the white paper should never change, but I never said all rules are defined in the white paper
​
Jingles, [18.10.20 02:16]
What rules?
​
Spoice, [18.10.20 02:16]
It is a union
​
Jingles, [18.10.20 02:17]
What rules are there?
​
Spoice, [18.10.20 02:17]
Rules in the white paper + what continued to define Bitcoin thereafter
​
J Stodd, [18.10.20 02:17]
[In reply to Spoice]
> "Bitcoin is Bitcoin is a false statement."
Alas, if we cannot agree on the law of identity, aka A=A, then i dont understand how to hold a conversation with you using logic.
> BTC is an instance of Bitcoin
No, BTC is a ticker used optionally by exchanges. Other common tickers for bitcoin include XBC, XBT, BC (correct me if im wrong on any of these)
> "Bitcoin is a set of rules in the whitepaper"
Super hard to defend this. Theres no mention of a 21M supply cap, no blocksize limit *at all*, and it also says additional rules and incentives can be enforced (implying maybe they should).
​
Jingles, [18.10.20 02:17]
I go through this with BSVers all the time. We have no spec sheet of rules defining what Bitcoin is from Satoshi.
​
Spoice, [18.10.20 02:18]
Rules such as what defines a correct block, miners receiving the full incentive of mining it, etc
​
Jingles, [18.10.20 02:18]
The WP is a highlevel document
​
Spoice, [18.10.20 02:18]
The WP is a description of a scientific experiment
​
Spoice, [18.10.20 02:18]
if you want to start your own experiment, be my guest
​
Jingles, [18.10.20 02:18]
[In reply to Spoice]
Valid tx rules aren't defined in the WP
​
Spoice, [18.10.20 02:18]
just don't try to call it Bitcoin
​
Jingles, [18.10.20 02:19]
The word majority is in the WP an awful lot wouldn't you say?
​
Spoice, [18.10.20 02:19]
Not valid TX rules, but what a proof of work block is and how it diverts the reward to the miner, etc
​
Jingles, [18.10.20 02:20]
[In reply to Spoice]
and? what about BTC doesn't apply?
​
Jingles, [18.10.20 02:20]
I'm not arguing for any fork of BCH here.
​
Spoice, [18.10.20 02:20]
It no longer meets the very title of the white paper experiment, "Peer to peer electronic cash"
​
Spoice, [18.10.20 02:20]
The BTC instance of the experiment is destined to move away from the very title of the white paper
​
Jingles, [18.10.20 02:20]
It's electronic, and I use it like cash.
​
Spoice, [18.10.20 02:20]
that the maintainers even wanted to edit the white paper (Cobra and co) because of this fact
​
J Stodd, [18.10.20 02:20]
u/Spoice When did BTC stop being Bitcoin in your view? The day Amaury decided to launch the fork, before Segwit happened?
If someone else launched a fork first, they would have been "the real bitcoin"?
This is a game of whoever forks first becomes the real Bitcoin?
What if two people launched a fork at the exact same time, maybe even with identical specs?
​
Jingles, [18.10.20 02:21]
Where did I go wrong?
​
Jingles, [18.10.20 02:21]
[In reply to Spoice]
Did they?
​
Spoice, [18.10.20 02:21]
Doesn't matter if you use it today, its very technical fabric will have to move your transactions to 2nd layers and it will no longer be peer to peer electronic cash on chain
​
Jingles, [18.10.20 02:21]
peer to peer electronic cash on chain - Not in the wp
​
Jingles, [18.10.20 02:22]
We have satoj talking about HFT with sidechannels.
​
Jingles, [18.10.20 02:22]
So what?
​
Jingles, [18.10.20 02:23]
I think this is a good discussion Phil, nothing disrespectful is being said. I hope this is ok?
​
Spoice, [18.10.20 02:23]
Doesn't matter, the rule of common sense, which is closer to that title? Increasing a simple variable (Blocksize) to stay on track of the title and experiment, or introduce IOUs and Watchtowers and channels and locked BTC and that whole LN Bastardization? Which is close to the title?
​
Jingles, [18.10.20 02:23]
No one said that can't happen
​
Michael Nunzio, [18.10.20 02:24]
[In reply to Spoice]
Congratulations you've made an argument which isn't an argument.
​
Jingles, [18.10.20 02:25]
The whole thing that was said was the system is based on majority rules, and incentives can be changed. Majority breaks any deadlock.
​
David B., [18.10.20 02:25]
How to kill a coin 101
​
Spoice, [18.10.20 02:25]
Logic fails anyone who tries to claim BTC, ABC, BSV or any similar standalone experiments as Bitcoin, because of simple sanity checks and logic checks, often stemming out of common sense - If what you have moves you a single step away from what is otherwise the same old experiment which Satoshi wrote about and unleashed, you're not Bitcoin. If what you have moves you a step closer, it is Bitcoin. and so on and so forth.
​
Phlip - Not giving away coins, [18.10.20 02:25]
Wow, really fanatical almost religious statements. I guess its Sunday morning.
​
Jingles, [18.10.20 02:27]
[In reply to Spoice]
There's nothing common about common sense. You point to the WP to make a point, and your point isn't in there.
​
Spoice, [18.10.20 02:27]
Throttled and you need off-chain IOUs and always-on services to function (BTC) ? Not Bitcoin. Requires permission to be used and could be centrally confiscated on the whim of the organization behind it (BSV)? Not Bitcoin. Premined (Bitcoin Gold, Diamond)? Not Bitcoin. Taxing the miners through Coinbase and changing the incentives which were at play since day 0 (ABC)? Not Bitcoin
​
Spoice, [18.10.20 02:27]
simple checks really, yet those who are set to benefit will of course be oblivious to these
​
Phlip - Not giving away coins, [18.10.20 02:28]
This whole “Bitcoin Cash is the true Bitcoin - see whitepaper” is really stupid. It also ignores the history of how Bitcoin Cash came into existence
​
Jingles, [18.10.20 02:28]
Phillip, remove anyone here that has said Bitcoin Gold was the original Bitcoin immediately
​
Jingles, [18.10.20 02:28]
^^^^
​
Jingles, [18.10.20 02:29]
[In reply to Phlip - Not giving away coins]
It falls to pieces the moment it's questioned.
​
Spoice, [18.10.20 02:29]
It is not about "True" Bitcoin
​
Spoice, [18.10.20 02:30]
It is about the Bitcoin closest to the experiment which always was
​
Spoice, [18.10.20 02:30]
I don't care about "True" or not, they all are true
​
Phlip - Not giving away coins, [18.10.20 02:30]
[In reply to Jingles]
Sorry, I hve stopped reading all the sillyness above. Will reread later
​
Jingles, [18.10.20 02:30]
[In reply to Phlip - Not giving away coins]
I'm joking around 😂
​
Spoice, [18.10.20 02:30]
but the rule of entropy says I shouldn't place my money nor effort in experiments which are set to fade eventually, because they have skewed incentives
​
Phlip - Not giving away coins, [18.10.20 02:31]
[In reply to Spoice]
You get to chose that for yourself but you do not get to dictate it for others
​
David B., [18.10.20 02:31]
[In reply to Phlip - Not giving away coins]
Don't read it. You will have no braincells left
​
Spoice, [18.10.20 02:31]
Bitcoin as we know it has a long track record of incentives which work
​
Spoice, [18.10.20 02:31]
I won't ever dictate it for others
​
Spoice, [18.10.20 02:31]
I only would dictate it for myself, just like how I never use BTC or BSV today, I won't use ABC tomorrow
​
Spoice, [18.10.20 02:32]
only because they're new experiments
​
Spoice, [18.10.20 02:32]
interesting, and I wish them luck
​
Jingles, [18.10.20 02:32]
"Bitcoin is Bitcoin" is a false statement - Spoice 2020
​
Spoice, [18.10.20 02:32]
but I would rather stick to the Bitcoin I know
​
Spoice, [18.10.20 02:32]
that's all
​
Jingles, [18.10.20 02:32]
I won't ever dictate it for others - Also Spoice
Phlip - Not giving away coins, [18.10.20 02:32]
Bitcoin Cash came with a plan snd goals. They were clearly presented in two presentations that happened before viabtc announced they would mine with ABC software and create a coin and chain named Bitcoin Cash
​
Spoice, [18.10.20 02:32]
Yes, because he means BTC is Bitcoin, and that's a false statement
​
Jingles, [18.10.20 02:32]
How is it false?
​
Spoice, [18.10.20 02:32]
It is an instance of Bitcoin
​
Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ], [18.10.20 02:33]
[In reply to Michael Nunzio]
you're looking intimidatingly handsome in your new profile picture
​
Phlip - Not giving away coins, [18.10.20 02:33]
[In reply to Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ]]
Lol
​
Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ], [18.10.20 02:33]
[In reply to J Stodd]
actually a good question
​
Spoice, [18.10.20 02:34]
Anyway, those are my two cents
​
Spoice, [18.10.20 02:34]
Everyone is free to choose which experiments to pour their effort on and their money in
​
Phlip - Not giving away coins, [18.10.20 02:34]
[In reply to Spoice]
You are entitled to your opinion.
​
Spoice, [18.10.20 02:34]
Andreas is publishing Lightning Network books, I mean
​
Spoice, [18.10.20 02:34]
So to each his own
​
Phlip - Not giving away coins, [18.10.20 02:35]
[In reply to Spoice]
Lets leave it at that
​
Spoice, [18.10.20 02:35]
but Bitcoin as I know it continues with no Tax, and that in my opinion is BCH with no tax
​
Phlip - Not giving away coins, [18.10.20 02:35]
Ah you had to continue
​
Phlip - Not giving away coins, [18.10.20 02:36]
Good thing no tax is proposed by anyone
Spoice, [18.10.20 02:35]
Isn't this the Bitcoin Cash telegram?
​
Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ], [18.10.20 02:35]
😅
​
Spoice, [18.10.20 02:36]
If I don't discuss Bitcoin Cash here, where should I?
​
Spoice, [18.10.20 02:36]
Tax, IFP, call it what you will
​
Spoice, [18.10.20 02:36]
from my perspective as a user, it's one the same
​
J Stodd, [18.10.20 02:36]
[In reply to Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ]]
I bet nobody will answer it, either
​
Phlip - Not giving away coins, [18.10.20 02:37]
[In reply to Spoice]
Apparently btc /s
​
David B., [18.10.20 02:37]
[In reply to Spoice]
As a user what do you care?
​
Jingles, [18.10.20 02:37]
Ooh, can I shill the Bitcoin room in here?
​
Spoice, [18.10.20 02:37]
Nah, I prefer quick responses and chats
​
Spoice, [18.10.20 02:37]
Reddit is broken
​
Phlip - Not giving away coins, [18.10.20 02:37]
[In reply to Jingles]
Lol
​
J Stodd, [18.10.20 02:37]
[In reply to Spoice]
Nobody even pays it, it just comes out of the block reward. The block reward is not sentient, it cannot be stolen from or wronged
​
Phlip - Not giving away coins, [18.10.20 02:37]
Dont push your luck 😉
​
Jingles, [18.10.20 02:37]
[ 😀 Sticker ]
​
Michael Nunzio, [18.10.20 02:38]
[In reply to Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ]]
You too brother. 🙏
​
Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ], [18.10.20 02:38]
[In reply to Michael Nunzio]
but mine is the same....i need new ones everyone always calls me fat because of this one
​
Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ], [18.10.20 02:38]
literally if i say 1 thing to any troll anywhere first thing they say is "ok fatass"
​
Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ], [18.10.20 02:38]
i blame this dumb photographer
​
Michael Nunzio, [18.10.20 02:38]
[In reply to Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ]]
Don't listen.
​
Phlip - Not giving away coins, [18.10.20 02:39]
u/spoice maybe write a read.cash article if you really feel you need to educate people
​
Spoice, [18.10.20 02:39]
David, as a user I believe that each new experiment carries risk with it, why should I take part in a new fork of Bitcoin which has a new set of game-theory rules which doesn't even benefit me, rather it benefits some other entity which will take 5% of any effort or economic activity I produce on this chain? They're also off-loading the risk to me as a usebuildebusiness who choose to join their experiment.
​
Spoice, [18.10.20 02:40]
Why should I take that risk while the Bitcoin I know and have known for over 10 years worked perfectly for me thus far? (BCH, that is)
​
Jingles, [18.10.20 02:40]
small fees and empty blocks?
​
Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ], [18.10.20 02:41]
It will insure that a centralized group has control over development and they are by decree in the code, it's a literal take over.
​
Phlip - Not giving away coins, [18.10.20 02:41]
[In reply to Spoice]
“BSV-freeze the protocol - true Bitcoin” sounds like more your thing
​
David B., [18.10.20 02:41]
[In reply to Spoice]
Better run bitcoin core 0.1
​
Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ], [18.10.20 02:41]
Imagine if satoshi keyd his address in the code to be paid out of every block, but instead of paying himself started a company "Bitcoin Dev Co"
​
Spoice, [18.10.20 02:42]
Not really, BSV kills the incentives I am discussing too
​
Phlip - Not giving away coins, [18.10.20 02:42]
[In reply to Jingles]
Please stay nice now
​
Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ], [18.10.20 02:42]
No one would ever be able to say Bitcoin was Decentralized, Bitcoin Dev Co would get paid directly from the reward.
​
Jingles, [18.10.20 02:42]
[In reply to Phlip - Not giving away coins]
"BSV: We have all the Bad Idea. On chain"
​
Spoice, [18.10.20 02:42]
The Nash equilibrium we have tested for the past 10 years will be changed with ABC, it changed with BTC and BSV too
​
Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ], [18.10.20 02:42]
"Bad Solutions Verified"
​
Spoice, [18.10.20 02:42]
that game-theory set of incentives
​
Spoice, [18.10.20 02:43]
why would I want to take a risk with any of those experiments when I gain 0?
​
David B., [18.10.20 02:43]
Better run bitcoin core 0.1
​
Spoice, [18.10.20 02:43]
Nope, you're talking technical freezing of development, that's not what I am addressing
​
Jingles, [18.10.20 02:43]
[In reply to David B.]
Thats the BTC chain though
​
Phlip - Not giving away coins, [18.10.20 02:43]
[In reply to Spoice]
O please share with us your background in the subject. Or are you now just parroting others
​
Spoice, [18.10.20 02:44]
BSV wants to freeze the technical development and they want a stable protocol from an API/development perspective
​
Spoice, [18.10.20 02:44]
but from an incentive ruleset perspective, they already butchered the equilibrium Bitcoin had
​
Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ], [18.10.20 02:44]
[In reply to Phlip - Not giving away coins]
That's one of those phrases, when you hear it you know they are just a parrot of someones propaganda. "MUH NASH EQUILIBRIUM!"
​
David B., [18.10.20 02:44]
Stable = bad?
​
Jingles, [18.10.20 02:45]
[In reply to Jc Crown [ I DON'T DM PEOPLE - DON'T GIVE ME MONEY! ]]
I love you
​
Spoice, [18.10.20 02:45]
Philip, for an admin you are ought to be nicer, if you think I am parroting others you're free to think that, but to state it so bluntly in your position is just... wrong
​
Spoice, [18.10.20 02:46]
If you think the point I made is wrong, discuss it
​
Phlip - Not giving away coins, [18.10.20 02:46]
[In reply to Jingles]
Maybe talk to him in DM about that?😉
​
Spoice, [18.10.20 02:46]
not me
​
Jingles, [18.10.20 02:46]
[In reply to Phlip - Not giving away coins]
working on it.
​
Phlip - Not giving away coins, [18.10.20 02:46]
[In reply to Spoice]
I ought to be nicer...😂😂😂
​
Spoice, [18.10.20 02:47]
Also, anyone who studied Bitcoin at length and its set of incentives and game-theory ruleset should know what a Nash Equilibrium is and who the players are in the Bitcoin game
​
Phlip - Not giving away coins, [18.10.20 02:47]
[In reply to Spoice]
You state as fact. You get to dhow why your statements or opinions are even relevant.
​
Spoice, [18.10.20 02:48]
If it's not a fact, highlight how
​
Spoice, [18.10.20 02:48]
don't attack me
​
Spoice, [18.10.20 02:48]
prove me wrong
​
Spoice, [18.10.20 02:48]
if you fail that simple debate test
​
David B., [18.10.20 02:48]
How's that breakfast helping?
​
Spoice, [18.10.20 02:48]
you should rename from Janitor to Tyrant
​
Jingles, [18.10.20 02:48]
I'm still waiting to see the defined rules as per the wp
​
Michael Nunzio, [18.10.20 02:49]
[In reply to Spoice]
Didn't know this was stand up comedy night in here.
​
Michael Nunzio, [18.10.20 02:49]
I missed the memo
​
Phlip - Not giving away coins, [18.10.20 02:49]
If I have to prove all idiots on the internet wrong I would have a hard time. You are starting to really waste everybody’s time. You state, you prove. Or you are just generating noise
​
Phlip - Not giving away coins, [18.10.20 02:50]
[In reply to Spoice]
Be careful now.
​
Michael Nunzio, [18.10.20 02:50]
Noisy bugger.
​
Phlip - Not giving away coins, [18.10.20 02:52]
Getting close to just do some cleaning up.
​
Spoice, [18.10.20 02:52]
If you can't debate technical points I am making about Bitcoin Cash on a Bitcoin Cash Telegram, and within the span of 10 minutes you called me stupid, idiot, noisy and a parrot, you absolutely are a tyrant and I stand by my point: You should not be an admin here, nor anywhere actually. If you think I should be careful for the fear of you banning me, go ahead. You still fail to debate the simplest technical point and yet claim you can "but can't be bothered to". You remind me of that Thermos guy.
​
Spoice, [18.10.20 02:53]
How do people with 0 technical know how end up in these admin positions is beyond me
​
Jingles, [18.10.20 02:53]
I challenged your comments and you just changed the goal posts.
​
Phlip - Not giving away coins, [18.10.20 02:53]
[In reply to Spoice]
Ok. You are not paying me and you are free to create noise elsewhere

Disclaimer: This is not financial advice. It's only my personal opinion. You can agree or disagree. Stay civil.
It seems clear that we're in a new Bitcoin rally. With Bitcoin ready to attack its latest ATH, the question arises: Should we buy Bitcoin? My answer is: It depends. If we buy a Bitcoin now and it reaches its current all time high, we'd be talking about a return of less than double. That's very little considering that this is crypto and crypto means sick profits. If the good predictions came true and it reached $100,000, we would be talking about something less than x10 of profit. This is a lot. Not bad at all. But being crypto and being Bitcoin, I still find it a bit poor considering the tremendous effort that Bitcoin would need to make. One thing is clear, if you want an insane profit, the moon, the lambo, you have to go for altcoins and use Bitcoin as a volatility catalyst. That is, when Bitcoin goes up and drags the whole market up. If you're looking for the dream of becoming a millionaire, you have to assume it's too late to buy Bitcoin, unless you're willing to invest a lot of money or you're convinced it can reach 500k or even 1 million. Which I personally see as unlikely, at least in the short term. Bitcoin, however, can be used as a store of value. Even if some people disagree with this, the truth is that Bitcoin is nearly 12 years old and has only been more expensive than today during a few days in all this time. This is what a store of value is supposed to be. And it's not even mainstream yet.
So what altcoins to buy? When I think of altcoins I am thinking of tokens with less than 1B market capitalization. Tokens with a great growth potential. Of course, the smaller their market capitalization the more price potential, but also the risk is higher. Personally, I think the risk, during the Bitcoin bull cycle, is a bit overestimated, since the whole market goes up. It's very difficult for the lowcap token you've bought not to appreciate by at least a X10. I speak from the experience of having lived the 2017 bull market. It is very important to choose tokens with the lowest possible supply. In a frantic market, where Bitcoin is spreading collective hysteria throughout the market, the utility of the token takes a back seat. It's the scarcity of that token what will determine its price potential. And the exposure. And the exchanges the token is being traded on, or potential big exchanges that it will be added.
Lesson that I learned.
I have explained this a few times already on reddit. I once had 18 Bitcoin. Today it would be $234,000. I didn't sell them to make a profit, I've always been convinced that Bitcoin was going to reach 6 digits and I'm still convinced of that right now. I lost 18 Bitcoin for trying to tame the market. It's impossible to tame the market. An idea as seemingly simple as buying cheap and selling expensive unwittingly changes into buying expensive and selling cheap. Cryptocurrencies are extremely volatile. There is no comparison to anything else. No one is mentally prepared to see Bitcoin fall by 50% after buying, or to see Bitcoin increase in value by 50% after selling. The stress that these situations put on our weak minds is what makes us fail. Taming the market is exactly the same as gambling. You're betting that Bitcoin will go down and therefore you're selling. Or you bet that Bitcoin will go up and therefore you buy. You can get it right once, but sooner or later you'll fail and ruin everything. It's a lottery. Everybody in Reddit likes to show off when they make a successful trade, but only a few post when they fuck it up.
In 2017 I had around 2500 tokens of a shitcoin called XLM (Solaris). A very scarce token I bought very cheap. If I recall correctly, I sold them all at 20something cents and placed a buy order at 15 cents. The shit went down to 16 or 17 cents… then skyrocketed to $40 in December. My buy order was never executed.
There's no way to predict the future, even with all those lines that people who want to be famous do at the expense of your naivety, the market analysts. Just buy and hold. Don't trade. Don't risk losing. Don't play like this is a casino, this is an investment and investments take time. I was one of the lucky ones who bought XRP for less than a penny. I find it very funny when people make jokes about the price of XRP. A lot of people are in the red with XRP and think that XRP is a shitty coin. However, there is something they don't understand. They are not objectively evaluating XRP because they bought it at a very specific time. I have never been in the red with XRP because I bought before the 2017 jump. They and I simply see reality from different perspectives. The token is the same for us, our point of view is not. They call a token that has yielded a fantastic X100 from my investment a shitcoin. It's a matter of perspective. I want to tell you that for years, people who bought Bitcoin at $1000 were suffering tremendous losses, as Bitcoin dropped to $200 after that. Today everyone would kill to be able to buy a single Bitcoin at $1000. PERSPECTIVE. The casino is a short term game. The investments are LONG-TERM projects.
The 2017 bull run took the whole market to a new level and never went back. Are we going to see a new level in 2021?

xBTC is a revolution in rebasing, we actually argue that we have found what rebasing was made for, the "killer app" for rebasing. On chain tokenized derivatives. xBTC rebases to reward holders when Bitcoin Dominance goes down.
xBTC shares three traits with derivatives. xBTC: 1) insures against market movements; 2) increases market exposure; 3) allows access to otherwise hard to trade assets.
The notional value of all derivatives is $640T - the real value is $12T. Robinhood made 63% of their revenue from options trading (a derivative).
Through the derivatives lens, xBTC can be a price sensor for the demand of digital assets and a hedge against Bitcoin.
With xBTC, traders can quickly and easily bet on the future of the market.
🔴 xBTC has five key features:
🔹Dominance Hedge- xBTC allows users to hedge against a fall in Bitcoin Dominance.
🔹Total Diversification- Conversely this means holders are betting on every single other digital asset out pacing Bitcoin. That's right, every. single. digital. asset. Regardless of market segment, technology, blockchain, etc.
🔹Rewarding Holders- Rebasing rewards holders through increasing their supply while the network grows.
🔹Effective Trading Pair and Store of Value- By being pegged to dominance, a number that does not move as sporadically as individual prices, a more stable price will be found which will make xBTC a more effective trading pair and store of value.
🔹One Token Access- One click, one token access, to all of the above.
🔴 xBTC Advisors:

1. Jeff Kirdeikis - Jeff is the founder and CEO of Uptrennd, the world's most enagaged blockchain based social media platform. His recent project Trustswap could potentially be project of the year.
2. Sam Rusani - Sam is the Chief Revenue Officer of ShipChain Inc. He is a serial entrepreneur, blockchain advocate and an investor. Sam has worked with some of the biggest brands in the world, such as Sony, Fender, Virgin, Universal Music, Ogilvy, Heineken, VISA, and Mercedes.
3. Lester Lim - Lester is a veteran digital marketing entrepeneur and a leader in startup incubation. He has operated multiple million-dollar digital marketing and ecommerce businesses, and is currently one of the most sought after incubators to lead the funding rounds for blockchain startups.
4. Mystery advisor (Will be unveiled soon)

🔴 Partnerships:

1. 1inch Exchange - xBTC has entered into an official partnership with 1inch exchange, for their first all exclusive launch, ever!
2. Tellor - xBTC has partnered with Tellor for their oracle service.
3. Trade Dog (TD)- xBTC has partnered with TD, its a subsidiary division run through O1Ex (a family oriented fund)

🔴 Where to buy the token?
(Preferred- Over 5 times more liquidity) Mooniswap:
https://mooniswap.exchange/#/swap?r=0x4Ae2643Aa5351184734c1d044911D22538576ed6
UniSwap:
https://app.uniswap.org/#/swap?outputCurrency=0xECbF566944250ddE88322581024E611419715f7A
Contract address: 0xECbF566944250ddE88322581024E611419715f7A
​
🔴 When does rebase occur and do you need to do anything?
Rebase occur automatically everyday at approx. 12AM UTC. You just need to hold xBTC in your wallet and the amount of tokens you will increase after a positive rebase.
​
Website: xbtc.fi
Telegram: xBTC_Official
Twitter: twitter.com/XBTC_Official

I have been here for many previous altcoin seasons (2013,2017 etc) and wanted to share knowedle. It's a LOOONG article.
The evaluation of altcoins (i.e not Bitcoin) is one of the most difficult and profitable exercises. Here I will outline my methodology and thinking but we have to take some things as a given. The first is that the whole market is going up or down with forces that we can't predict or control. Bitcoin is correlated with economic environments, money supply increases, safe havens such as Gold, hype and country regulations. This is an impossible mix to analyze and almost everyone fails at it. That's why you see people valuing Bitcoin from $100 to $500k frequently. Although I am bullish on the prospects of Bitcoin and decentralization and smart contract platforms, this is not the game I will be describing. I am talking about a game where you try to maximize your BTC holdings by investing in altcoins. We win this game even if we are at a loss in fiat currency value. To put it another way:

If you are not bullish in general on cryptocurrencies you have no place in investing or trading cryptocurrencies since it's always a losing proposition to trade in bubbles, a scientifically proven fact. If on the other hand you are then your goal is to grow your portfolio more than you would if holding BTC/ETH for example.

Bitcoin is the big boy

How the market works is not easily identifiable if you haven't graduated from the 2017 crypto university. When there is a bull market everything seems amazingly profitable and things keep going up outgrowing Bitcoin by orders of magnitude and you are a genius. The problem with this is that it only works while Bitcoin is going up a little bit or trades sideways. When it decides to move big then altcoins lose value both on the way up and on the way down. The second part is obvious and proven since all altcoins from 2017 are at a fraction of their BTC value (usually in the range of 80% or more down). Also, when BTC is making a big move upwards everyone exits altcoins to ride the wave. It is possible that the altcoin market behaves as an inversed leveraged ETF with leakage where in a certain period while Bitcoin starts at 10k and ends at 10k for example, altcoins have lost a lot of value because of the above things happening.

We are doing it anyway champ!

OK so we understand the risks and just wanna gambol with our money right? I get it. Why do that? Because finding the ideal scenario and period can be extremely profitable. In 2017 several altcoins went up 40x more than BTC. But again, if you don't chose wisely many of them have gone back to zero (the author has first hand experience in this!), they have been delisted and nobody remembers them. The actual mentality to have is very important and resembles poker and other speculative games:
A certain altcoin can go up in value indefinitely but can only lose it's starting investment. Think about it. You either lose 1 metric or gain many many more. Now that sounds amazing but firstly as we said we have the goal to outperform our benchmark (BTC) and secondly that going up in value a lot means that the probability is quite low. There is this notion of Expected Value (EV) that poker players apply in these kind of situations and it goes like that. If you think that a certain coin has a probability let's say 10% to go up 10X and 90% probability it goes to zero it's an even bet. If you think that probability is 11% then it's a good bet, a profitable bet and you should take it. You get the point right? It's not that it can only go 10X or 0X, there is a whole range of probability outcomes that are too mathematical to explain here and it doesn't help so much because nobody can do such analysis with altcoins. See below on how we can approximate it.

How to evaluate altcoins

A range of different things to take into account outlined below will form our decision making. Not a single one of them should dictate 100% of our strategy.

Basics

It's all about market cap. Repeat after me. The price of a coin doesn't mean anything. Say it 10 times until you believe it. I can't remember how many times I had conversations with people that were comparing coins using their coin price instead of their market cap. To make this easy to get.

If I decide because the sky is blue to make my coin supply 100 Trillion FoolCoins with a price of $0.001 and there is another WiseCoin with a supply of 100 Million and price of $1 then FoolCoins are more expensive. - Alex Fin's Cap Law

Fundamental analysis

This is done usually in the stock world and it means that each company has some fundamental value that includes it's assets, customers, growth prospects, sector prospects and leadership competence but mostly centered in financial measures such as P/E ratios etc. Valuation is a proper economic discipline by itself taught in universities. OK, now throw everything out of the window!.
This kind of analysis is impossible in vague concepts and innovations that are currently cryptocurrencies. Ethereum was frequently priced at the fictional price of gas when all financial systems on earth run on the platform after decades (a bit of exaggeration here). No project is currently profitable enough to justify a valuation multiple that is usually equal to P/E in the thousands or more. As such we need to take other things into account. What I do is included in the list below:

• Check Github. You need to make sure there is active development for the platform and it's a very bad sign if the project is either keeping the code closed source or even worse there is simply no development. No projects are "complete".
• Check Website. If the website is written in bad English the Chinese google translate type it means that they are not serious enough to produce an unbreakable decentralized project. If you can't write English you can't change the world, period. That's a deal breaker.
• Check Team's Linkedin. Numerous projects have either fake Linkedin accounts or the team is comprised mainly by unexperienced employees that are even shown to be working in other companies currently.
• Check backers. Projects that have Binance, Coinbase or Silicon Valley VC funds backing them are way more legit but way more overpriced too!

Relative valuation

One of my favorite ways to value altcoins that is based on the same principle in the stock market is to look at peers and decide what is the maximum cap it can grow to. As an example you take a second layer Ethereum solution that has an ICO and you want to decide if you will enter or not. You can take a look at other coins that are in the same business and compare their market caps. Thinking that your coin will outperform by a lot the top coins currently is overly optimistic so I usually take a lower valuation as a target price. If the initial offering is directly implying a valuation that is more than that then there is no room to grow according to my analysis and I skip it. Many times this has proven me wrong because it's a game theory problem where if many people think irrationally in a market it becomes a self-fulfilling prophecy. But since there is opportunity cost involved, in the long run, getting in initial offerings that have a lot of room to grow will pay off as a strategy.

Sector prospects

In 2017 the sexiest sector was platforms and then coins including privacy ones. Platforms are obviously still a highly rated sector because everything is being built on them, but privacy is not as hot as it used to be. In 2018 DEXes were all they hype but still people are massively using centralized exchanges. In 2020 Defi is the hottest sector and it includes platforms, oracles and Defi projects. What I am saying is that a project gets extra points if it's a Defi one in 2020 and minus points if it's a payment system that will conquer the world as it was in 2017 because that's old news. This is closely related to the next section.

Hype

Needless to say that the crypto market is a worse FOMO type of inexperienced trigger happy yolo investors , much worse than the Robinhood crowd that drove a bankrupt company's stock 1200% after they declared bankruptcy. The result is that there are numerous projects that are basically either vaporware or just so overhyped that their valuation has no connection to reality. Should we avoid those kind of projects? No and I will explain why. There are many very good technically projects that had zero hype potential due to incompetent marketing departments that made them tank. An example (without shilling because I sold out a while back) is Quantum Resistant Ledger. This project has amazing quantum resistant blockchain, the only one running now, has a platform that people can build tokens and messaging systems and other magnificent stuff. Just check how they fared up to now and you will get the point. A project *needs* to have a hype factor because you cannot judge it as normal stocks that you can do value investing like Warren Buffet does where a company will inevitable post sales and profitability numbers and investors will get dividends. Actually the last sentence is the most important: No dividends. Even projects that give you tokens or coins as dividends are not real dividends because if the coin tanks the value of the dividend tanks. This is NOT the case with company stocks where you get dollars even if the company stock tanks. All that being said, I would advice against betting on projects that have a lot of hype but little substance (but that should be obvious!).

How to construct your portfolio

My strategy and philosophy in investing is that risk should be proportional to investment capital. That means that if you are investing 100K in the crypto market your portfolio should be very different than someone investing 1K because 10% annual gains are nothing in the latter while they are very significant in the former. Starting from this principle each individual needs to construct a portfolio according to how much risk he wants to take. I will emphasize two important concepts that play well with what I said. In the first instance of a big portfolio you should concentrate on this mantra: "Diversification is the only free meal in finance". In the case of a small portfolio then this mantra is more important: "Concentrate to create wealth, diversify to maintain wealth". Usually in a big portfolio you would want to hold some big coins such as BTC and ETH to weather the ups and downs explained in previous paragraphs while generating profits and keep progressively smaller parts of your portfolio for riskier investments. Maybe 50% of this portfolio could be big caps and 10% very risky initial offerings. Adapting risk progressively to smaller portfolios makes sense but I think it would be irrational to keep more than 30% of a portfolio no matter what tied to one coin due to the very high risk of bankruptcy.

Conclusion

The altseason is supposedly coming every 3 months. Truth is that nobody can predict it but altcoins can be profitable no matter what. Forget about maximalists who are stuck in their dogmas. Altcoins deliver different value propositions and it makes sense because we are very far from a situation where some project offers everything like Amazon and we wouldn't even want that in the first place since we are talking about decentralization and not a winner takes all and becomes a monster kind of scenario! Some last minute advice:

• Stay out of paid telegram/discord pump groups. They are deadly for your wallet.
• Avoid jumping on overhyped coins that have pumped massively during the last days without any very important news.
• Don't keep coins in obscure exchanges for too long or you will get burned with certainty.
• Stop thinking that your coin will 1000x and overtake Bitcoin!

P.S If you find value in reading this and want more weekly consider subscribing to my newsletter here

There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Banks

• SoFi Money: $50 for depositing $500 from any source.
  • https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
• Chime: $50 for $200 direct deposit (can easily get around direct deposit requirement, please see details below).
  • https://chime.com/milazadrozny
• Wings Financial Credit Union: $50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
  • https://www.referlive.com/wingsfinancial/newcustform/109cb9ea5300f9a4bb2a6884eac831077a4/4/11101268SY4BYUZ
• Aspiration: $50 for spending $250 with their debit card within 3 months, and extra $100 for $1000 spend in 3 months.
  • https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
• Stash: $20 for $5 deposit from any source.
  • https://get.stashinvest.com/amadeowpr10
• SkyOne: $25 for opening an account and keeping the account open for 30 days. (additional steps required, please see below details).
  • https://refer.skyone.org/amadeoruiu3
• Premier Members Credit Union: $50 for opening a money market account and making a $5 deposit + $5 donation.
  • https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
• Oxygen: $25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). PM me for a link.

Stocks

• Webull: 1 free stock (worth $8-$ 1600) for opening an account and making a $100 deposit.
  • https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
• Public: 1 free stock worth up to $50 just for opening an account, no deposit required.
  • Open this link from your phone: http://share.public.com/rayruiu
• FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) simply for opening an account. No deposit required.
  • https://share.firstrade.com/MilaAQOK
• Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
  • https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
• TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
  • https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
• Robinhood: 1 free stock worth $2.50- $200 for opening an account. No deposit required.
  • https://invite.robinhood.com/amadeor3/
• Acorns: $5 for $5 deposit from any source (additional steps required, please see below details).
  • https://www.acorns.com/invite/TLBCPD/
• Moomoo: 1 free stock worth $10-$1000 for making a $500 deposit.
  • https://j.moomoo.com/000LR3
• M1 Finance: $20 for opening a brokerage account and making a $100 deposit.
  • https://m1.finance/J6aLCt6SRGdW
• Round: $20 for opening a brokerage account and making a $500 deposit. Alternatively, you can make $100 for doing a $10,000 deposit (iOS only)
  • https://app.investround.com/inviteCode/amadeo-r360s0
• SoFi Invest: $50 for $1000 deposit from any source, and $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
  • https://www.sofi.com/share/invest/2498539
• E*Trade: $25 for $5000 deposit from any source (additional bonuses available for larger deposits)
  • https://refer.etrade.net/amadeoruiu3
• Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
  • https://share.personalcapital.com/x/oGFEyl

Cryptocurrency

• Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
  • IOS: https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
  • Android: https://play.google.com/store/apps/details?id=com.investvoyager
• Celsius: Free $40 for depositing $200 worth of cryptocurrency.
  • https://celsiusnetwork.app.link/101697ce8c
• Crypto.com: Free $50 for "staking" (buying and holding) 1000 CRO (approximately $170) for 6 months. (enter referral code 66v69rwt76 if not pre-filled)
  • https://platinum.crypto.com/66v69rwt76
• Gemini: Free $10 worth of Bitcoin for trading $100.
  • Account Signup: https://gemini.com/share/rllzke26
• Constant: Free $10 for opening an account, verifying your identity, and depositing $10.
  • https://www.myconstant.com?r=annoyedproduct
• Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it)
  • Coinbase: https://www.coinbase.com/join/ruiu_8
  • Orchid: https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards

• Chase Freedom: Free $200 for signing up for a Chase Freedom Unlimited credit card and spending $500 within 3 months.
  • https://www.referyourchasecard.com/2f/ONLMEFPEFJ
• Discover IT: Free $50 for signing up for a Discover IT credit card and making ANY purchase within 3 months (even $1).
  • https://refer.discover.com/s/hhti4m

Other

• Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
  • https://rootbonus.com/AmadeoRuiu
• SoFi Loans: Free $300 for refinancing a student loan or taking a personal loan.
  • www.sofi.com/share/2498539?src=copy
• HealthyWage: Weight-loss betting site that lets you bet on how much weight you think you can lose! They add an extra $40 to your potential winnings if you sign up using a referral link.
  • https://hwage.co/2199234/

--Details on each offer below--

Banks-

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
And you can close the account at any time with no fees or consequences-
referral link- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from virtually any source including bank accounts, cashapp, etc.
referral link- https://chime.com/milazadrozny

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close account any time.
referral link-https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
referral link- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
referral link- https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily getr this). PM me for a link.

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out a free stock (worth $8-$1600) for opening an account via a referral link and making a $100 deposit.
Webull is available on iOS and Android, or you can use their website.
referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
referral link- http://share.public.com/rayruiu

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
referral link- https://share.firstrade.com/MilaAQOK

Dough

Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too).
Available for iOS or Android only.
referral link- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila

TradeUp

TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No deposit required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
Available for iOS or Android only.
referral link- https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
referral link- https://invite.robinhood.com/amadeor3/

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
referral link- https://www.acorns.com/invite/TLBCPD/

Moomoo

Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit.
Moomoo is available on iOS or Android only.
referral link- https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $20 bonus that posts within 14 days.
M1 Finance is available on iOS or Android only.
referral link- https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
referral link- https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details above), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
referral link- https://www.sofi.com/share/invest/2498539

E*Trade

E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit-

Reward	Deposit Amount
$25	$5,000–$9,999
$50	$10,000-$24,999
$200	$25,000–$99,999
$300	$100,000–$249,999
$600	$250,000–$499,999
$1,200	$500,000–$999,999
$2,500	$1,000,000+

referral link- https://refer.etrade.net/amadeoruiu3

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
Referral link- https://share.personalcapital.com/x/oGFEyl

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral code and depositing $200 worth of cryptocurrency. To get the full $40, enter the code "SUMMER" before making your first deposit. You must keep your deposit in the app for 30 days to get the full $40 bonus. You get $20 for the normal referral program and the additional $20 for entering the "SUMMER" code.
You can then withdraw the full $240 and close your account fee free.

• https://celsiusnetwork.app.link/101697ce8c

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $50 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $50 bonus crypto to celsius instantly.

• (enter referral code 66v69rwt76 if not pre-filled)
  • https://platinum.crypto.com/66v69rwt76

Gemini

Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

SoFi Loans

SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan.
You should research the pros and cons of student loan refinancing before you consider this option, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
There's also the option of taking out a SoFi loan.
www.sofi.com/share/2498539?src=copy

HealthyWage

HealthyWage is an interesting website...got a few extra pounds from the quarantine you're trying to burn off? I personally want to lose 30 pounds, but needed a little extra motivation. Well, nothing motivates quite like money!
The way this website works is, you essentially place a "bet" (at least $100) that you can lose at least a certain amount of weight (at least 10% of your total body weight) within a given time frame (at least 6 months), and if you are successful, you will get rewarded with your initial investment + a bonus (they offered me around a 10% bonus). You can pay out the whole bet at once, or split over the time frame of the bet.
If you're wondering how they stay afloat, this company finances itself via the folks who failed to meet the terms of their own bet. You have to record yourself stepping on the scale via their highly-rated app (iOS/Android), so no cheating.
For folks like me who have strong will power but just need extra motivation, I highly recommend this site! I made a...questionably large bet personally ($3000 if I can't lose my extra pounds), but talk about a powerful motivator...
If you use my referral link to sign up and place your bet, you will get an extra $40 added to your bonus for winning your bet!
https://hwage.co/2199234/

There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Banks

• SoFi Money: $50 for depositing $500 from any source.
  • https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
• Chime: $50 for $200 direct deposit (can easily get around direct deposit requirement, please see details below).
  • https://chime.com/milazadrozny
• Wings Financial Credit Union: $50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
  • https://www.referlive.com/wingsfinancial/newcustform/109cb9ea5300f9a4bb2a6884eac831077a4/4/11101268SY4BYUZ
• Aspiration: $50 for spending $250 with their debit card within 3 months, and extra $100 for $1000 spend in 3 months.
  • https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
• Stash: $20 for $5 deposit from any source.
  • https://get.stashinvest.com/amadeowpr10
• SkyOne: $25 for opening an account and keeping the account open for 30 days. (additional steps required, please see below details).
  • https://refer.skyone.org/amadeoruiu3
• Premier Members Credit Union: $50 for opening a money market account and making a $5 deposit + $5 donation.
  • https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
• Oxygen: $25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). PM me for a link.

Stocks

• Webull: 1 free stock (worth $8-$ 1600) for opening an account and making a $100 deposit.
  • https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
• Public: 1 free stock worth up to $50 just for opening an account, no deposit required.
  • Open this link from your phone: http://share.public.com/rayruiu
• FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) simply for opening an account. No deposit required.
  • https://share.firstrade.com/MilaAQOK
• Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
  • https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
• TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
  • https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
• Robinhood: 1 free stock worth $2.50- $200 for opening an account. No deposit required.
  • https://invite.robinhood.com/amadeor3/
• Acorns: $5 for $5 deposit from any source (additional steps required, please see below details).
  • https://www.acorns.com/invite/TLBCPD/
• Moomoo: 1 free stock worth $10-$1000 for making a $500 deposit.
  • https://j.moomoo.com/000LR3
• M1 Finance: $20 for opening a brokerage account and making a $100 deposit.
  • https://m1.finance/J6aLCt6SRGdW
• Round: $20 for opening a brokerage account and making a $500 deposit. Alternatively, you can make $100 for doing a $10,000 deposit (iOS only)
  • https://app.investround.com/inviteCode/amadeo-r360s0
• SoFi Invest: $50 for $1000 deposit from any source, and $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
  • https://www.sofi.com/share/invest/2498539
• E*Trade: $25 for $5000 deposit from any source (additional bonuses available for larger deposits)
  • https://refer.etrade.net/amadeoruiu3
• Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
  • https://share.personalcapital.com/x/oGFEyl

Cryptocurrency

• Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
  • IOS: https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
  • Android: https://play.google.com/store/apps/details?id=com.investvoyager
• Celsius: Free $40 for depositing $200 worth of cryptocurrency.
  • https://celsiusnetwork.app.link/101697ce8c
• Crypto.com: Free $50 for "staking" (buying and holding) 1000 CRO (approximately $170) for 6 months. (enter referral code 66v69rwt76 if not pre-filled)
  • https://platinum.crypto.com/66v69rwt76
• Gemini: Free $10 worth of Bitcoin for trading $100.
  • Account Signup: https://gemini.com/share/rllzke26
• Constant: Free $10 for opening an account, verifying your identity, and depositing $10.
  • https://www.myconstant.com?r=annoyedproduct
• Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it)
  • Coinbase: https://www.coinbase.com/join/ruiu_8
  • Orchid: https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards

• Chase Freedom: Free $200 for signing up for a Chase Freedom Unlimited credit card and spending $500 within 3 months.
  • https://www.referyourchasecard.com/2f/ONLMEFPEFJ
• Discover IT: Free $50 for signing up for a Discover IT credit card and making ANY purchase within 3 months (even $1).
  • https://refer.discover.com/s/hhti4m

Other

• Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
  • https://rootbonus.com/AmadeoRuiu
• SoFi Loans: Free $300 for refinancing a student loan or taking a personal loan.
  • www.sofi.com/share/2498539?src=copy
• HealthyWage: Weight-loss betting site that lets you bet on how much weight you think you can lose! They add an extra $40 to your potential winnings if you sign up using a referral link.
  • https://hwage.co/2199234/

--Details on each offer below--

Banks-

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
And you can close the account at any time with no fees or consequences-
referral link- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from virtually any source including bank accounts, cashapp, etc.
referral link- https://chime.com/milazadrozny

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close account any time.
referral link-https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
referral link- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
referral link- https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily getr this). PM me for a link.

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out a free stock (worth $8-$1600) for opening an account via a referral link and making a $100 deposit.
Webull is available on iOS and Android, or you can use their website.
referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
referral link- http://share.public.com/rayruiu

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
referral link- https://share.firstrade.com/MilaAQOK

Dough

Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too).
Available for iOS or Android only.
referral link- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila

TradeUp

TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No deposit required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
Available for iOS or Android only.
referral link- https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
referral link- https://invite.robinhood.com/amadeor3/

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
referral link- https://www.acorns.com/invite/TLBCPD/

Moomoo

Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit.
Moomoo is available on iOS or Android only.
referral link- https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $20 bonus that posts within 14 days.
M1 Finance is available on iOS or Android only.
referral link- https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
referral link- https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details above), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
referral link- https://www.sofi.com/share/invest/2498539

E*Trade

E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit-

Reward	Deposit Amount
$25	$5,000–$9,999
$50	$10,000-$24,999
$200	$25,000–$99,999
$300	$100,000–$249,999
$600	$250,000–$499,999
$1,200	$500,000–$999,999
$2,500	$1,000,000+

referral link- https://refer.etrade.net/amadeoruiu3

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
Referral link- https://share.personalcapital.com/x/oGFEyl

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral code and depositing $200 worth of cryptocurrency. To get the full $40, enter the code "SUMMER" before making your first deposit. You must keep your deposit in the app for 30 days to get the full $40 bonus. You get $20 for the normal referral program and the additional $20 for entering the "SUMMER" code.
You can then withdraw the full $240 and close your account fee free.

• https://celsiusnetwork.app.link/101697ce8c

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $50 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $50 bonus crypto to celsius instantly.

• (enter referral code 66v69rwt76 if not pre-filled)
  • https://platinum.crypto.com/66v69rwt76

Gemini

Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

SoFi Loans

SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan.
You should research the pros and cons of student loan refinancing before you consider this option, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
There's also the option of taking out a SoFi loan.
www.sofi.com/share/2498539?src=copy

HealthyWage

HealthyWage is an interesting website...got a few extra pounds from the quarantine you're trying to burn off? I personally want to lose 30 pounds, but needed a little extra motivation. Well, nothing motivates quite like money!
The way this website works is, you essentially place a "bet" (at least $100) that you can lose at least a certain amount of weight (at least 10% of your total body weight) within a given time frame (at least 6 months), and if you are successful, you will get rewarded with your initial investment + a bonus (they offered me around a 10% bonus). You can pay out the whole bet at once, or split over the time frame of the bet.
If you're wondering how they stay afloat, this company finances itself via the folks who failed to meet the terms of their own bet. You have to record yourself stepping on the scale via their highly-rated app (iOS/Android), so no cheating.
For folks like me who have strong will power but just need extra motivation, I highly recommend this site! I made a...questionably large bet personally ($3000 if I can't lose my extra pounds), but talk about a powerful motivator...
If you use my referral link to sign up and place your bet, you will get an extra $40 added to your bonus for winning your bet!
https://hwage.co/2199234/

There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini) are US only.

Banks

• SoFi Money: $50 for depositing $500 from any source.
  • https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749
• Chime: $50 for $200 direct deposit (can easily get around direct deposit requirement, please see details below).
  • https://chime.com/milazadrozny
• Wings Financial Credit Union: $50 for opening a checking account, setting up eDocuments, and doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days. No fees, can withdraw and close account any time.
  • https://www.referlive.com/wingsfinancial/newcustform/109cb9ea5300f9a4bb2a6884eac831077a4/4/11101268SY4BYUZ
• Aspiration: $50 for spending $250 with their debit card within 3 months, and extra $100 for $1000 spend in 3 months.
  • https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/
• Stash: $20 for $5 deposit from any source.
  • https://get.stashinvest.com/amadeowpr10
• SkyOne: $25 for opening an account and keeping the account open for 30 days. (additional steps required, please see below details).
  • https://refer.skyone.org/amadeoruiu3
• Premier Members Credit Union: $50 for opening a money market account and making a $5 deposit + $5 donation.
  • https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/
• Oxygen: $25 for opening an account, depositing $200, and doing 5 debit card transactions within 60 days (can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is). PM me for a link.

Stocks

• Webull: 1 free stock (worth $8-$ 1600) for opening an account and making a $100 deposit.
  • https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j
• Public: 1 free stock worth up to $50 just for opening an account, no deposit required.
  • Open this link from your phone: http://share.public.com/rayruiu
• FirstTrade: 1 free stock worth $3 - $200 (I got Microsoft!) simply for opening an account. No deposit required.
  • https://share.firstrade.com/MilaAQOK
• Dough: 1 free stock worth $2 - $200 simply for opening an account. No deposit required ($25 deposit required before first withdrawal, but you can then withdraw that too).
  • https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila
• TradeUP: 1 free stock worth $2.50-250 just for opening an account, and an optional second stock worth $8-$1000 for making a $100 deposit from any source.
  • https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U
• Robinhood: 1 free stock worth $2.50- $200 for opening an account. No deposit required.
  • https://invite.robinhood.com/amadeor3/
• Acorns: $5 for $5 deposit from any source (additional steps required, please see below details).
  • https://www.acorns.com/invite/TLBCPD/
• Moomoo: 1 free stock worth $10-$1000 for making a $500 deposit.
  • https://j.moomoo.com/000LR3
• M1 Finance: $20 for opening a brokerage account and making a $100 deposit.
  • https://m1.finance/J6aLCt6SRGdW
• Round: $20 for opening a brokerage account and making a $500 deposit. Alternatively, you can make $100 for doing a $10,000 deposit (iOS only)
  • https://app.investround.com/inviteCode/amadeo-r360s0
• SoFi Invest: $50 for $1000 deposit from any source, and $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
  • https://www.sofi.com/share/invest/2498539
• E*Trade: $25 for $5000 deposit from any source (additional bonuses available for larger deposits)
  • https://refer.etrade.net/amadeoruiu3
• Personal Capital: $20 for opening a new account and linking a qualified investment account (e.g. taxable brokerage, 401k, IRA, 529, etc) worth at least $1000. No deposit required!
  • https://share.personalcapital.com/x/oGFEyl

Cryptocurrency

• Voyager: Free $25 worth of Bitcoin for trading $100 on the app. Use referral code "AMA60T” in the “Reward Code” field when you create your Voyager account". Open these link from mobile:
  • IOS: https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
  • Android: https://play.google.com/store/apps/details?id=com.investvoyager
• Celsius: Free $40 for depositing $200 worth of cryptocurrency.
  • https://celsiusnetwork.app.link/101697ce8c
• Crypto.com: Free $50 for "staking" (buying and holding) 1000 CRO (approximately $170) for 6 months. (enter referral code 66v69rwt76 if not pre-filled)
  • https://platinum.crypto.com/66v69rwt76
• Gemini: Free $10 worth of Bitcoin for trading $100.
  • Account Signup: https://gemini.com/share/rllzke26
• Constant: Free $10 for opening an account, verifying your identity, and depositing $10.
  • https://www.myconstant.com?r=annoyedproduct
• Coinbase: Free $10 worth of Bitcoin for trading $100. They will also give you $12 of the "Orchid" cryptocurrency (which can be re-sold for cash) if you watch 3 1-2 minute videos and answer 3 easy questions about that cryptocurrency. (might get waitlisted, I had to wait a month before getting off it)
  • Coinbase: https://www.coinbase.com/join/ruiu_8
  • Orchid: https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards

• Chase Freedom: Free $200 for signing up for a Chase Freedom Unlimited credit card and spending $500 within 3 months.
  • https://www.referyourchasecard.com/2f/ONLMEFPEFJ
• Discover IT: Free $50 for signing up for a Discover IT credit card and making ANY purchase within 3 months (even $1).
  • https://refer.discover.com/s/hhti4m

Other

• Root: Free $25 for downloading the app, and allowing it to track your driving for 3-4 weeks. (Need to keep your phone on while driving so it can give you a quote. You can simply reject the offer and take the $25 bonus anyway).
  • https://rootbonus.com/AmadeoRuiu
• SoFi Loans: Free $300 for refinancing a student loan or taking a personal loan.
  • www.sofi.com/share/2498539?src=copy
• HealthyWage: Weight-loss betting site that lets you bet on how much weight you think you can lose! They add an extra $40 to your potential winnings if you sign up using a referral link.
  • https://hwage.co/2199234/

--Details on each offer below--

Banks-

SoFi Money

SoFi is a bank/app that give out $50 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits $500 from any source. So all you have to do is open an account with a referral link, deposit $500, and then instantly collect the bonus and then take it all back.
And you can close the account at any time with no fees or consequences-
referral link- https://www.sofi.com/invite/money?gcp=e65d8ea1-fd35-40bc-b801-547c3fc6e749

Chime

Chime is a bank/app which pays you a $50 bonus for opening an account via a referral code making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, Social Security, or other direct payment, but you can actually meet this requirement simply by transferring in $200 from virtually any source including bank accounts, cashapp, etc.
referral link- https://chime.com/milazadrozny

Wings

Wings Financial Credit Union is a bank offering $50 for opening a checking account, setting up eDocuments, and either doing 5 debit card transactions of $5 or more (anything counts, including Amazon GC reloads), OR a direct deposit of $300+ in 60 days.
No fees, can withdraw and close account any time.
referral link-https://www.wingsfinancial/newcustform/109cb9ea

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250, and an extra $100 for $1000 spend in 3 months.
So all you have to do is open a “Spend & Save” account using a referral link, spend $250/1000 using their debit card within 3 months, and then you will get $50/150 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want!
referral link- https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W/

Stash

Stash is a finance app that gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
referral link- https://get.stashinvest.com/amadeowpr10

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow the steps detailed below. People are normally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click ("None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits") on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is a credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, fee free!
referral link (please remember to use my referral code during the account setup too)- https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

Oxygen

Oxygen is a mobile banking app that will pay you $25 for opening an account, depositing $200, and doing 5 debit card transaction within 60 days (You can just buy 5 $1 Amazon GC's reloads, they don't care what the purchase is. Lots of different ways to easily getr this). PM me for a link.

Stocks-

Webull

Webull is a commission free stock trading platform/app which is giving out a free stock (worth $8-$1600) for opening an account via a referral link and making a $100 deposit.
Webull is available on iOS and Android, or you can use their website.
referral link- https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is another commission free stock trading app which gives you a free stock (valued up to $50) when you create an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
referral link- http://share.public.com/rayruiu

FirstTrade

FirstTrade is a commission-free stock trading app which gives you a free stock (valued up to $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS or Android only.
referral link- https://share.firstrade.com/MilaAQOK

Dough

Dough is a commission free stock trading app which gives you a free stock (valued $2- $200) when you open an account via a referral link. No initial deposit is required, though you need to deposit $25 in order to make your first withdrawal (you can also withdraw your initial $25 too).
Available for iOS or Android only.
referral link- https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila

TradeUp

TradeUP is a commission free stock trading app which gives you a free stock (valued $2.50-250) for opening an account via a referral link. No deposit required.
Additionally, they will give you a second stock (valued $8-$1000) for making a $100 deposit.
Available for iOS or Android only.
referral link- https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when you open an account via a referral link. No initial deposit is required.
Available on iOS and Android, or you can use their website.
referral link- https://invite.robinhood.com/amadeor3/

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until the 15th of the following month. You can then withdraw the money and close the account, fee free!
If you keep the account longer, they may charge you a $3 fee, so be sure to close it after the 15th on the following month from when you signed up.
Acorns is available on iOS and Android, or you can use their website.
referral link- https://www.acorns.com/invite/TLBCPD/

Moomoo

Moomoo is a commission free stock trading app which gives you a free stock (valued $10-$1000) for opening an account via a referral link and making a $500 deposit.
Moomoo is available on iOS or Android only.
referral link- https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $20 bonus that posts within 14 days.
M1 Finance is available on iOS or Android only.
referral link- https://m1.finance/J6aLCt6SRGdW

Round

Round is an online auto-investing app (iOS only) which is offering a free $20 bonus for simply opening an account via a referral link and depositing $500. Alternatively, you can get $100 if you deposit $10,000.
Round is available on iOS only.
referral link- https://app.investround.com/inviteCode/amadeo-r360s0

SoFi Invest

SoFi gives $50 for anyone who signs up for a SoFi Invest account via a referral link and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details above), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $75 cash bonuses with SoFi Invest!
referral link- https://www.sofi.com/share/invest/2498539

E*Trade

E*Trade is one of the biggest stock trading platforms out there, and they are offering new users a cash bonus for opening an account using a referral code and depositing funds. Your cash bonus varies based on how much you deposit-

Reward	Deposit Amount
$25	$5,000–$9,999
$50	$10,000-$24,999
$200	$25,000–$99,999
$300	$100,000–$249,999
$600	$250,000–$499,999
$1,200	$500,000–$999,999
$2,500	$1,000,000+

referral link- https://refer.etrade.net/amadeoruiu3

Personal Capital

Personal Capital is a finance tracking website similar to Mint but tailored for investment accounts. If you open an account and link a qualified investment account for tracking (e.g. taxable brokerage, 401k, IRA, 529, etc) with more than $1000 in it, they will give you a free $20 amazon gift card within a couple weeks.
Accounts that do not qualify as valid investment accounts include bank, credit or debit card, Paypal, Stash, Acorns, Kapitall, Groundfloor, WageWorks HSA, Coinbase, digital currency exchanges, and manual investment accounts. Robinhood works!
Referral link- https://share.personalcapital.com/x/oGFEyl

Cryptocurrency-

Voyager

Voyager is a crypocurrency trading app (iOS/Android only) which will pay you $25 in free bitcoin for trading $100 on the app! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
Referral link-
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Celsius

Celsius is a cryptocurrency investing platform which will give you $40 for signing up using a referral code and depositing $200 worth of cryptocurrency. To get the full $40, enter the code "SUMMER" before making your first deposit. You must keep your deposit in the app for 30 days to get the full $40 bonus. You get $20 for the normal referral program and the additional $20 for entering the "SUMMER" code.
You can then withdraw the full $240 and close your account fee free.

• https://celsiusnetwork.app.link/101697ce8c

Crypto.com

Crypto.com is a cryptocurrency investing platform which will give you $50 for signing up using a referral link, and "staking (aka, buying and holding) 1000 CRO (their special cryptocurrency, worth approximately $170) for 6 months. You need to apply for their "Ruby Steel" debit card when applying, its a 0 risk debit card, no credit impact, no fees. Combo's well with the Celsius promo if you need a platform to send cryptocurrency from, and you can send the $50 bonus crypto to celsius instantly.

• (enter referral code 66v69rwt76 if not pre-filled)
  • https://platinum.crypto.com/66v69rwt76

Gemini

Gemini is a cryptocurrency trading app/websitewhich will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency.
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.
https://gemini.com/share/rllzke26

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform!
I would be grateful if you used my referral link- https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry!
All you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
All you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time fee free.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app(iOS/Android) that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away with the $25 bonus which then then go to your PayPal account, sent as a check, etc.
https://rootbonus.com/AmadeoRuiu

SoFi Loans

SoFi loans is offering a $300 bonus for people who opens a new personal loan or refinance an existing student loan.
You should research the pros and cons of student loan refinancing before you consider this option, You can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will depend on individual circumstances.
There's also the option of taking out a SoFi loan.
www.sofi.com/share/2498539?src=copy

HealthyWage

HealthyWage is an interesting website...got a few extra pounds from the quarantine you're trying to burn off? I personally want to lose 30 pounds, but needed a little extra motivation. Well, nothing motivates quite like money!
The way this website works is, you essentially place a "bet" (at least $100) that you can lose at least a certain amount of weight (at least 10% of your total body weight) within a given time frame (at least 6 months), and if you are successful, you will get rewarded with your initial investment + a bonus (they offered me around a 10% bonus). You can pay out the whole bet at once, or split over the time frame of the bet.
If you're wondering how they stay afloat, this company finances itself via the folks who failed to meet the terms of their own bet. You have to record yourself stepping on the scale via their highly-rated app (iOS/Android), so no cheating.
For folks like me who have strong will power but just need extra motivation, I highly recommend this site! I made a...questionably large bet personally ($3000 if I can't lose my extra pounds), but talk about a powerful motivator...
If you use my referral link to sign up and place your bet, you will get an extra $40 added to your bonus for winning your bet!
https://hwage.co/2199234/