eli5

photographer • gen art noob /priyanka • art subscription hypersub.xyz/s/patronsofblue

Because it's someone's job to look for ways to keep customers from switching banks so they come up with stuff like this they think will keep normies happy and loyal to their bank.

Coinbase employee (Investigatooor), personal account. Onchain is the future.

OH...so there's no hidden agenda behind the spend first - we refund/credit later thing?

Ah, It's probably structured this way to attempt to retain your account for the full 6 months