<prompt> Human: I stumbled across this site today, and from what I can tell claims to have 2-4 apr as a type of savings account. I cant find anything much about it on Google so I figured Id ask here if its legit or some type of Ponzi scheme.  <response>: Its vaporware, because theres just a wait list and they have yet to accept a single customer. Once there are actually customers, then well be able to see all the catches and other garbage.I predict theyll just vastly limit the number of people who can sign up until they figure out how to find people who will make them enough money to pay out 2 interest. 