Holding vs Spending: Making Smart Choices

Important Context

This article is educational and does not provide financial advice. It explains ways to think about holding or spending credits and STOP tokens so you can align your choices with your own goals and risk preferences.

Three Forms of Value in LETSTOP

When you earn through LETSTOP, your value can appear in three main forms.

Credits inside the app, used for upgrades, boxes, and rewards

STOP tokens in your LETSTOP wallet, connected to the Solana network

External holdings, when STOP is moved to a separate crypto wallet

Smart decisions start with understanding what each form is best suited for.

Why Spend Credits Early

Credits are the engine of your in app growth. Spending them strategically can increase the rewards you earn later.

Virtual car upgrades can raise the credit multiplier on future drives

Mystery Boxes can unlock boosts, XP, or subscription time

In the early stages, spending credits on tools that increase your earning rate often gives more long term value than holding them unused.

Reasons to Hold Credits Instead of Spending

There are also good reasons to hold credits for later.

You are saving for a specific high tier upgrade

You want flexibility when new rewards or partners appear

You prefer fewer but more meaningful redemptions

Holding credits gives you optionality inside the app. You keep the ability to react when new opportunities become available.

When Holding STOP Tokens Makes Sense

Once you convert credits to STOP, you hold a token on the Solana blockchain. Reasons to hold may include the following.

You want a blockchain based record of your safe driving achievements

You plan to interact with Solana compatible tools or platforms that support STOP

You like separating long term stored value from credits used for frequent in app actions

Holding STOP is usually a choice for users who are comfortable with wallets, networks, and the idea of on chain assets.

When Spending or Redeeming is the Better Fit

Spending does not only mean consumption. In LETSTOP, it often means reinvesting into your own experience.

Redeeming a car upgrade to increase future credits per drive

Using credits or STOP for partner rewards that offset real expenses

Converting STOP back into credits when you want more in app power

If a redemption improves your daily life or your future earning rate, spending can be the smarter choice than holding indefinitely.

Building Your Own Holding vs Spending Policy

A simple personal policy keeps decisions consistent. For example, you might choose rules like these.

Always keep a minimum buffer of credits for upgrades you care about

Convert only a fixed percentage of new credits to STOP, such as 20 percent, while holding the rest for in app use

Use partner rewards only when you truly plan to use them before they expire

You can adjust this policy quarterly or when your goals change, rather than after every single drive.

Risk Awareness for Advanced Users

Moving STOP outside the app and interacting with external platforms introduces additional risks that credits do not have.

You are responsible for safeguarding your recovery phrase and private keys

Blockchain transactions are typically irreversible

External platforms have their own rules, fees, and security levels

If your main goal is safer driving and in app rewards, there is no requirement to move into this layer. It should only be used when you understand the risks clearly.

Balancing Present Use and Future Potential

The most important principle is balance. Some value is used now to improve your experience and driving environment. Some may be held for longer term plans. By revisiting your goals occasionally and using the tools LETSTOP provides, you can make holding and spending choices that truly match your needs.