I’d be surprised if they’re more competitive than a HELOC rate. I’m very skeptical of loaning against my coin but hopeful.

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Fair, more curious than anything at this point.

Looks like there are a lot of these products coming to market in the next year

Yes, many companies are coming out with this offering.

I’m speculating, but I can see it leading to a market correction. I’m weary of people using these products to leverage themselves when the bull market kicks in and they start to FOMO.