[latchkey]

Compounding too.

You could also buy USDC (no fees through coinbase) and BlockFi pays 8.6% apy.

Ally bank just emailed me that they are lowering the APY again. It is lowered almost monthly and is almost 0 now.

[christophilus]

You can also have BlockFI interest automatically go into BTC. So, you can DCA automatically by just letting your cash sit there.