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I hold some NEO and I use the neon wallet to stake. You can only stake whole coins. No DECIMALS. As I am high on NEO, as far as I know you cannot stake fractions of coins so it may not be the best for small buys. But I will buy in if we go this way.

This is correct, we would need to stake in whole Neo's. The price is around $50 at the minute i will top up to the closest whole number.