If it's 25% per year, then that's much better than what banks are giving. Banks are BS. They want people to think they can only give 1 - 3 % per anum but we know they can give much more than that. I really hate them when I realized what they're doing with peoples money for the whole year.
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You're right @gvincentjosephm The banks take our money and then loan it out to collect as much interest as they can. In the 2008 financial crisis hundreds of banks in the USA closed (and many people got screwed) because they had loaned their customers' money out to bad debt like derivatives. Many people believe that the next financial crisis is going to hit before 2020. Be safe with your hard earned money!