this post was submitted on 23 Nov 2024
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KEY POINTS

  • Thousands of Americans will receive little or nothing from savings accounts that were locked during the collapse of fintech middleman Synapse.
  • Customers believed the accounts were backed by the full faith and credit of the U.S. government.
  • CNBC spoke to a dozen customers caught in the predicament, people who have lost sums ranging from $7,000 to well over $200,000.
  • While there’s not yet a full tally of those left shortchanged, at fintech Yotta alone, 13,725 customers say they are being offered a combined $11.8 million despite putting in $64.9 million in deposits.
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[–] venusaur 37 points 3 weeks ago (17 children)

This sucks big time. Real question, what motivated people to put huge sums of money into a startup company? Some deal on a loan?

[–] [email protected] 33 points 3 weeks ago (4 children)

I believe they were told that it was FDIC insured.

[–] venusaur 4 points 3 weeks ago (3 children)

Regardless though. What’s the the incentive of some new app over a bank or some already known app?

[–] SuperIce 12 points 3 weeks ago (2 children)

Interest rates. Then again, you can go for other more reputable brands that have good interest rates. I was making around 5% with Vanguard cash plus for some time. It's based on money market though, so as federal interest rates went down, so did the rates for that account. There are smaller companies with slightly better rates, but IMO Vanguard is way more trustworthy than all these new Fintech startups and I know the FDIC insurance is legit.

[–] [email protected] 4 points 3 weeks ago

Yes I agree. I was thinking of switching from my current bank to one that had a 5% interest for my emergency fund but it's a new bank to me. I didn't recognize the name. Decided not to do it because I don't know who they are. I'm referring to Openbank.

[–] venusaur 2 points 3 weeks ago

I would trust Vanguard

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