Is EMCD Grow suitable for keeping USDT for 6–12 months?

[nimolis]

I currently have around 8,000 USDT sitting in a regular wallet. I am not trading with it because this is money I may use for a property deposit next year. Recently I came across EMCD Coinhold Grow /https://coinhold.io/grow/, where they offer daily rewards and up to 14% APR for stablecoins. As I understand it, I can choose a flexible plan or lock the funds for 30, 90, 180, or 360 days. Has anyone actually used it for several months? Do daily rewards really compound, and what happens when a fixed term expires?

[lomiry]

Daily accrual and compounding are not quite the same as receiving 14% immediately. APR is an annual rate, so the actual reward depends on the amount, term, and plan conditions. I would start with a smaller amount for 30 days, check how rewards are displayed, and test the withdrawal process before transferring the rest.