I have used their waykitimes and waykimax wallets. I find that using dPOS, the money goes within seconds. The CDP system is very good as well, with a very low APR. There is no such thing as a credit line approval, you can borrow immediately. The credit line has automatic approval, there are no credit checks, you don't have to apply to anyone to get credit, you just get it using the decentralized algorithms of waykichain 1st layer blockchain. You can hold and spend WICC, BTC, or ETH without selliSee full review