In both cases, the higher the amount involved in a trade, the lower the fees they pay are. The owners and the staff have stated that any new currency introduction needs to be done slowly and meticulously and are obviously sticking to that principle. Being a centralized exchange, Poloniex controls all private keys to their users cryptocurrency wallets. At the same time every lending offer includes its own lending fees which are set by those putting the funds up for borrowing. The limited Coinbase servers were at times unable to keep up with the growth of their user base and this has made plenty of people especially daily crypto traders who kept their funds on Coinbase wallets unhappy and unable to access their coins. Credit Karma built a wonderful business providing almost million people with free products to help them manage their debt.