A 12 month lock-up sounds like a long time. Why do I have to wait so long?

As with any promissory note or loan, there are terms between both parties involved. In deciding to loan us some of your BTC, you are determining that our offer of 12% interest is worth giving up access to that BTC for 12 months. We believe that 12% is fair compensation for that time frame. As an opt in service, there is no obligation to sign up for our products, and it is our intention that all of our customers do so with full knowledge of the terms and conditions.