This week has been fabulous because I received not one, but two referral credits from people using my Gemini referral link: https://www.gemini.com/share/ppkd6ra39   Unfortunately, I do not know their identities but in the event that they came across my referral link on Publish0x and used it, I will like to share my reflections with them.   To my 4th referee, whoever you are, I cashed the referral credit - USD$10 of Bitcoin - out so that I could make a voluntary contribution to my national annuity scheme known as the Central Provident Fund (CPF). In my country, we can make use of our CPF funds to pay our housing mortgage but this means that we will have less funds available for our retirement. Hence, with your blessing of the referral credit, I went to make a Voluntary Housing Refund. This was how I found out that crypto-fiat transactions below $15 would just incur a trading fee of SCD$1.50. Previously, I paid SGD$2 in trading fees and thought that Gemini charges a flat fee of $2. I was pleasantly surprised to find out that Gemini offers a tiered trading fee structure! Anyway, USD$10 is about SGD$13-14, so I could have enough to cover the trading fee as well as make a top-up of $10. Yes, I know it’s $10 but it helps me sleep better at night, so why not?    To my 5th referee, whoever you are, this time round, I decided to pay heed to delayed gratification and HODL your referral credit. The jubilation derived from your referral credit led me to find out more. I subsequently came across this article: https://thefipharmacist.com/gemini-active-trader/. I have been using Basic Trader all this while, but it seemed that if I had switched to the Active Trader mode, I would just need to pay 0.35% in terms of trading fees - which is cheaper than $1.50! Argh! I should have explored the Gemini exchange more thoroughly first. But oh well, I will duly switch to Active Trader and save on subsequent referral credits.   I hope you found my exploration of the Gemini exchange useful.