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BlockFi is a modern-day crypto bank that offers all the services provided by traditional financial institutions. The company has a track record of capturing the spread between the interest on loans and the lending interest rate. BlockFi also allows you to earn 8.6% APY when you deposit coins into their crypto savings account. And it doubles as a lending platform to borrow USD loans against your coins. With an initial deposit of $100, you get to win $250 worth of BTC. With an ongoing bonus round, old account holders get about $10 bitcoin worth when they refer a new person to the platform.