I joined quite late and I was also a bit cocky about the multiply BTC as well. I used to get interest but I don't now and I have to build it back up slowly. Have you gotten over 100k reward points yet? I plan on redeeming them for satoshis but I am only at like 28k reward points.
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I got to 100K RP multiple times already, nowadays I just redeem 100K whenever I reach 200K just to be sure I'm always able to withdraw them if I ever need them since I keep it over 100K at all times.