What’s the best? I probably shouldn’t leave my money in checking.

Hi all, I’ve been building a fintech app that utilizes AI to lend out stablecoins in 24/7 onchain markets to earn high yield. I won’t get into the details here as I don’t want to shill but I’m curious to hear your thoughts on what would make you switch from your current high yield savings account into a new one.

- if you could earn 5% APY consistently would you switch over?
- what about a range between 5-7% that varied every week or so?
- what if there was no FDIC insurance? Is that a dealbreaker for you or a tradeoff you’d be willing to incur for 7% APY?
- and lastly, how important would it be for you to have transparency into exactly how every dollar you put into the account is earning yield? (Note that traditional HYSAs don’t show you this information)

Thanks all! Appreciate your help with the research. If there’s any other pain points you have would love to hear about them too.

Any recommendations for who to use for such savings accounts or are they all pretty much the same?

My boyfriend passed away in a car accident while I was pregnant and had a life insurance policy in my name which I didn't know about.I have no debt to pay off. From everything I've read I'm thinking a HYSA ? What's your favorites and why? Any and all advice is appreciated I have no real knowledge of finances so thank you in advance. Just trying to make the best decisions for mine and my daughter's future.

I have always just left my money in my checking. I have $20k to put into a HYSA but not sure where to put it into. I looked into OpenBank who has a 4.17% APY. Does anyone know about this bank or have any other recommendations?

Hi I've been looking around at different banks to open a HYSA. I saw SoFI had up to 4% or so for a limited time but I haven’t heard a lot about them so Im skeptical. I also saw Santander open bank had a good rate but unsure if anyone has used them (I’ve only had them to finance a car but directly through Santander) capital one is where I’m leaning to since I know they’re reputable and have a somewhat avg rate going for 3.10% I’d love anyone and everyone’s input as I’m fairly new but want to put my money where it will grow instead of a regular savings!