Been using Yotta since the early access-ish launch. I was always prowling for something like it once the American Savings Promotion Act (https://en.wikipedia.org/wiki/American_Savings_Promotion_Act) was passed. Does its job, does it easily, and my effective APY has been MORE than competitive. For certain.
I have always bought I-bonds direct so doesn't apply to me, but making that easier for the average person -- and more importantly, increasing awareness of their existence -- is a good thing. It's about accessibility for people still getting their financial footing.
Just getting the average person to save more is a good thing, and accessibility is key to that.
