There's this old technique called a [CD ladder](https://www.nerdwallet.com/article/banking/what-is-a-cd-ladder) - in brief, instead of opening a large term deposit, divide it in chunks and deposit them in a staggered manner. That way you have relatively timely access to money while still earning good interest. (For nerds: like CPU pipelining, just with money.)
There are no fees to create USDC 3 months deposits, which makes creating a ladder quite effective. Say you are considering putting USDC 9000 in a 3-months deposit for the 12% (+2% with stake) annualized interest. Instead of dumping it all at once and waiting for three months, put it in a Flexible Earn first and then move USDC 100 a day into a 3-months deposit. After a week you'll start getting small amounts of interest daily. And after 90 days you'll start getting 100 USDC a day back, which you can choose to deposit in full or partially again (thus keeping things rolling) or use otherwise.
Right now the community consensus seems to be - per [this discussion](https://www.reddit.com/r/Crypto_com/comments/q2658t/psa_funds_locked_in_the_earn_program_are_not_used/) - that it's unclear where Crypto.com makes the money to pass as interest to term depositors, so there may be a certain unknown risk associated with such deposits. I wonder whether this laddering lowers these risks.
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