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Hi All, Long time lurker. First post. I have been keeping an eye on LBA, Creds token for the last few months. There is very little discussion around LBA that i can find. The reddit sub is pretty much dead. Discord seems to be abandoned. No real interest on other crypto reddit subs. So i am trying my luck here in the hope for some good discussion and continued input. If anyone doesn't know what CredEarn is here is a video they put out recently. It's pretty “salesy” but it will fill you in on the basics. https://youtu.be/GOlKCFtpkoE . Over the last 3 months LBA has moved from $0.01 up to a high of $0.06 and is currently sitting at around $0.045. Its CMC ranking has moved from 400+ to 100+. So over all its had a pretty decent run of late. There are 1 billion LBA in the total supply. Divide this by 10,000 which is the amount you need to stake for increased rates when lending and you get a total max of 100,000 users that can stake LBA for better rates. Obviously for every user that holds multiples of 10k LBA that is that many users that will not have access to 10k LBA. Not to mention currently the circulating supply is 50% of the total. In reality it's possible that there may only be enough liquid supply for 10,000 users to have 10k LBA. As the crypto market matures and hopefully the total market cap of all assets multiplies I think there will be an increase in demand from people looking to earn value off their assets while still holding the underlying asset. If we look at XRP the bonus interest you get currently for lending it via cred earn when staking 10k LBA is an additional 4% (9% instead of 5%). 10k LBA will cost you 450usd currently. Anyone staking $11250 or more for 12 months would make the cost of the 10k LBA back over the year so you would expect that to be a no brainer. I would imagine any one lending money to cred earn would expect LBA to hold its value so would probably buy 10k to stake providing it was not going to cost them a huge chunk of what they were going to lend. Looking at some of Creds more recent announcements/updates it looks to me like it has some real potential. Key points from the last few weeks. You can now lend LBA for 10% earnings on cred earn via uphold providing you have staked 10k LBA. This has not been announced but has been live for the last few weeks. Previously the only utility LBA had was staking 10,000 LBA to get better rates when lending on cred earn. I think this is a pretty big advancement in the potential growth of the LBA price. Earning 10% interest, locking up that LBA from the market, and still being exposed to the price changes seems like a pretty good deal to me. Today LBA was listed on global bithumb. This should add substantial daily volume and has the potential to bring a new set of holders into the mix. LBA is not listed on a lot of exchanges and normally has somewhere between 1.5mil to 3mil in daily volume. As of now LBA has volume of 600k in USDT on bithumb after 7 hours of trading. https://global.bithumb.pro/spot/trade;symbol=LBA_USDT LBA has announced integrating its cred earn program with both TRON and Bitcoin.com. Currently i believe the only way to utilize cred earns program is with uphold. This could potential introduce two new large pools of funds and users that are currently not able to use cred earn and as a result encourage the purchase and staking of LBA. Neither are live yet unless you want to lend 25k+ usd and then you can contact them to initiate the lending. https://www.mycred.io/tron https://www.mycred.io/bitcoin In 2018 Binance Labs invested in Cred. According to an announcement at the time this would allow users to lend BNB. I don’t believe this has gone live yet. It may not be going ahead however a recent tweet from Dan Schatt CEO of Cred would indicate there may be something still going on. If there is some form of integration between BNB and Cred earn this again could be a large number of users and funds that would be looking to hold LBA. Not to mention the possibility of LBA being listed on Binance which would be huge. https://medium.com/@ihaveCred/binance-labs-and-libra-credit-partner-to-address-growing-global-demand-for-liquidity-of-crypto-1eed0ce3a765 https://twitter.com/dschatt/status/1128502461793071105 The current market cap of LBA is ~24m usd. Some questions: Has anyone on XrpChat used the cred earn program? How risky do you feel cred earn is? How does cred earn compare to other crypto lending programs? Do you think it is worth grabbing 10k LBA now for a rainy day? As you can tell i’m pretty positive on LBA. Not as much as i am XRP but i can see LBA doing well for itself in a prolonged bull run. Thanks for reading and i hope you found it interesting. (I am known to waffle on!)