It's because I use gift cards religiously and because I put every single business, travel, and investment expense through Fold as well. The big kicker is the giftcards though. I use numerous services that haven't seen an actual bank card of mine in years. The referrals obviously make a difference too, but I got maybe 10-20 referrals after this video and then haven't even posted my link again since then. So I've gotten maybe 2-3 in that 8 months. Lastly... it goes up with the #Bitcoin price. So if I have $8k in there already, it changes quite a bit if Bitcoin goes up $20k or so in price.