Those are standard already
The AI one I am using to pay bills to get cash back.
HBD withdrawals takes 3 days.
EPF is long time cannot really touch. Even with Account 3 also takes 3 working days at least.
HIVE Power requires 13 weeks.
Stocks and crypto generally are volatile unless you know which to invest long term.
Only stable coins the easiest to set aside and Binance sometimes gives around 4-5% if account is not an active trading account.

And besides, never put all eggs in one basket. Diversify is definitely a necessary.
And I won't touch (normal volatile) stock, I'd rather look at the tokenised properties for long term and that also takes around 10 working days to approve if selling back to the company.

So cannot just roast one platform ya
Every available ways have their pros and cons.

Most important is to catch the pros and overcome the cons.

And I am taking each into different considerations with awareness, while the promotion still runs active.