Appfed gets a lot of bad rep and i am not sure why. I have had nothing but great experiences with it. I was with NEXO which i no longer recommend but i can honestly say that after working with Appfed for more than 4 years i have yet to have a disappointing experience. I dont think their earn program is the best but I have never had issues with crypto transfers. What you will find though is that dealing in certain jurisdictions like the US and the UK things can get a bit complicated with on and off ramping. Let's be honest, banks don't like these exchanges and they are going to fight to the teeth to try to stay away from them.