That is amazing to hear. I did the math and realized that this card is the best option for me. But what I would like to hear from you, How does this card work in the day to day life here in Switzerland? Did you have any problem in stores when using it? online on Galaxus, etc…
Any lessons learned you can share?
I ordered the Ruby steel card 1 week ago, should arrive in a few weeks :).
My plan is to use it, stake, and let the value rise to the point where I can get the 3% cashback card.(a friend did this)
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it is 2% for the Ruby, am I wrong? I just use it to buy stuff on Amazon or things that are super pricey, in normal days I use a maestro card.
Regarding the staking, same. I stake some coins and buy BTC from time to time
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How do you find the industry? Difficult to get in? I’ve been thinking into work partially into that even if I am coming from a totally different industry like medical devices.
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Yes, I have a good IT background and my expertise is well sought for. I get a lot of offers from other companies, but still, I have a tough time getting in to the Crypto industry.
I think this is partly because the Crypto industry are mostly looking for coders/developers, which I’m not.
For example, I was in an open interview with a contact on the cryptocurrency Litentry, but they did not have any role opening for my profile currently so they could not offer me anything.
The industry is still quite narrow, but it is surely expanding and new opportunities will arise.
I will keep on looking myself, because I want to be a part of something I truly believe in, which is decentralized finance. I want to contribute to its expansion.
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Correct, 2%. Why not use it all the time and get as much payback as possible?
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Because the main currency is EUR and not CHF, so I might lose something because of the currency. So I just used on internet to pay in EUR, like flights and stuff. Or for example, I bought with that the season pass for portes du soleil in EUR, it was a nice 2% back.
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Ok, thanks for sharing. This was something I wondered about.
If it will backfire if I use the Ruby card on a daily basis, thanks to the currency exchange?
Because I was counting on getting CRO payback of around 70chf per month. If I use this card instead of my VISA credit card for all my purchases/payments.
It works great, never had a problem regarding acceptance. I personally use it together with Curve so I can pay with my phone. That way crypto.com still does the exchange and I get the jucy 5% cash-back
The most important lession is to not put the virtual credit card details in too many places because the expiry date & CVC might be different from the physical card. I managed to freeze my card by using the old virtual card details online because I saved them.
I’m honestly not sure if the 2% is worth it, iiuc the EUR to CHF exchange is in the worst case almost 1.5% of the total. So the effective cashback would be only 0.5%.
I would love to see the token do another 10x. I’ve managed to make the 3.5k EUR from my Indigo card to almost 10k EUR when I upgraded for the icy white tier. Another 10x from here would give me obsidian tier 
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I always wanted to write some calculations and charts for that but I am lazy/busy.
You have the spread between buying and selling EUR + the fluctuation of the exchange rate and the CRO. All should be less than 2% to make it worthwile.
CHF-> EUR → CHF to buy → get CRO → EUR → CHF
Do you have a howto setup? Curve is not in the swiss app store afaik.
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I’ve downloaded the app with a gmail account that only has a german payment profile and using a German VPN. Then setup the account with a mail forwarder address which makes it working in Switzerland immediately.
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The strangest thing is that it is not possible to charge your credit card using the own coin CRO. Why?
Well it is, you just need to sell the CRO for fiat first. Probably so they earn some money on the spread.
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So far im putting all the CRO in the supercharger but still
Have you tried staking in the Crypto exchange or in the DeFi App?
I’ve been meaning to look into it.
The Super Charger is not very lucrative, or how much do you make?
I have only around 1000 cro in the super charger so almost nothing
DeFi is the way. There even is a SwissCro validator that give 12-14% p.a. with 0.001% commission, totally worth it. You just need to think about restake your reward manually regularely to use the compound interest. The only downside is the 28 day withdrawl period, but if you’re in for the long run…
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I don’t know how long the run is.
Trying to get to the next card within the Crypto.com universe only.
What does SwissCRO validator mean?
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I moved all CRO from supercharger to BTC.
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In the DeFi app you can stake with different validators (basically server operators that contribute to the blockchain) and one of them is called SwissCRO.
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