So this is a pretty obvious question.
I've wired some FIAT into Nexo as a backup fund for a rainy day. I've had this savings account for a while now but i havn't done anything with it for a few years which is a good thing as it means I didn't need it.
So I found out you need to lock the FIAT on Nexo to be able to get the full 12% payout in Nexo, while it's not needed for stablecoins. Can anyone explain to me why this might be? If the stablecoin/euro rate stays the same.. is there any benefit of locking up FIAT for 3 months? If converted to a stablecoin I can have access to it at anytime.
\- One option would be just covert it all into stablecoins and get the 12%
\- The other idea would be dividing my total amount into 12 locked-up pools so I get access to a pool every week.
Which would you choose and why?