Best High-Yield Savings Rates in the US — Up to 4.91%
Posts
FEATURED
🔥 YONGITES Are Reading
Best High-Yield Savings Rates in the US — Up to 4.91%
Your Savings Account Is Probably Earning Almost Nothing Here's the Fix If your money is sitting in a regular savings account right now, it's quietly losing value to inflation and the fix takes about 10 minutes. Here's the gap most people don't realize exists: the average traditional savings account pays just 0.22% APY. The best high-yield accounts available right now pay up to 4.91% APY more than 10 times the national average. On a basic savings account, the highest yield today is 5.84%, while the average standard account pays just 0.22% That's not a rounding error. On $10,000 in savings, the difference between 0.22% and 4.91% is roughly $469 a year in free money, just for moving your cash to a better account. Why Rates Are Still This High Savings rates are heavily influenced by the Federal Reserve's moves and after the Fed cut rates at it's September, October, and December 2025 meetings, many savers assumed yields would keep falling. They haven't at lea...
IBM Joins Swift's Blockchain: 17 Banks Already Piloting It
IBM Plugged Into Swift's Banking Blockchain Here's Who's Already On It: The world's biggest bank messaging network just quietly went blockchain and IBM wants in. On September 25 - 2026, IBM connected its Digital Asset Haven platform to Swift's blockchain-based shared ledger, currently in beta. The move lets banks move tokenized deposits across Swift's network using an ISO 20022 messaging adapter meaning banks can tap blockchain rails without ripping out their existing payment systems. Swift isn't a small player here. It connects over 12,500 financial institutions across more than 200 markets, moving the equivalent of world GDP every two to three days. So when Swift adds blockchain to that stack, banks pay attention. The First Live Transaction Already Happened HSBC and Standard Chartered beat everyone to the punch, completing the first live transaction on the ledger back in August proof the system works outside the lab. Meet the 17 Founding Banks Swift's ...
Crypto Funds Just Posted Their Best Week of 2026 — $3.5B in a Single Week
"Bitcoin ETFs Go 5-for-5: Crypto Funds Hit Biggest Inflow Week of the Year" Digital asset investment funds pulled in $3.5 billion last week, according to CoinShares latest Digital Asset Bi-Weekly Digest the largest single-week inflow recorded in 2026. The surge pushed total assets under management across crypto funds to $173 billion globally. Bitcoin Led the Charge US spot Bitcoin ETFs were the standout performer, hauling in $2.39 billion and staying positive on all five trading days of the week. Ethereum products weren't far behind, adding $690 million over the same stretch. Together, these flows pulled year-to-date totals back into positive territory up to $8.6 billion for 2026 so far. What Sparked the Rally? CoinShares attributes the strength to the removal of uncertainty following the Federal Reserve's recent rate decision. Once the outcome became clear, investors who had been sitting on the sidelines started deploying capital again. The US Dominated But Who Else...
Visa Is Shutting Down the Meme Coin Credit Card Loophole
Buying meme coins with a credit card came with an unexpected perk: some users could earn ordinary credit card points and cash back on their crypto purchases. Visa is now moving to close that loophole. The issue centered on how meme coin purchases were classified by payment processors . Some Crossmint-powered checkouts used merchant category code (MCC) 5815 , a category intended for digital media such as movies, music and audiobooks, rather than a crypto-specific category. That meant a meme coin purchase could look to the card network like a normal digital-media purchase. How the loophole worked Users of Robinhood Wallet and Fomo could purchase certain meme coins using credit cards through Apple Pay or Google Pay. According to The Block's testing, transactions made with Visa and Mastercard cards were classified as digital-media purchases and could earn normal card rewards, including points and cash back. The classification mattered because crypto purchases are generally t...
Vitalik Says AI Will Make Crypto More Secure
What if the same AI that helps hackers find vulnerabilities could also make your crypto harder to steal? That is the possibility Ethereum co-founder Vitalik Buterin is pointing to. He argues that AI could make software fundamentally harder to break by making formal verification practical at a much larger scale. Formal verification uses mathematical proofs to confirm that code follows specific security rules. Instead of relying only on testing to find bugs, developers can prove that certain parts of a program behave as intended. But Buterin says there is a bigger challenge. The Hardest Part Is Defining Security According to Buterin, defining what “secure” actually means is harder than verifying the code . A security definition needs to account for more than obvious bugs. It may also need to consider compromised servers, leaked keys, network attacks, metadata and hardware vulnerabilities. If an important threat is missing from the definition, a perfect mathematical proof will no...
Upcoming IPOs Are Back. Here’s What Investors Should Beware Of
The IPO market is getting busy again, with major private companies across AI, fintech, technology, space and consumer businesses moving closer to public markets. Names such as OpenAI, Anthropic, SpaceX, Oura and Strava have appeared in the 2026 IPO pipeline, although the status and timing of individual listings can change. Some companies have filed, while others remain confidential filers or are simply being discussed as potential candidates. That creates an opportunity for investors to gain access to companies that were previously available mainly through private markets. But an IPO can also make it easier to buy into a company before the market has fully figured out what it is worth. The IPO price is not automatically a bargain One of the biggest mistakes investors can make is assuming that getting shares at the IPO price means getting in early at a cheap valuation. The IPO price is determined through the offering process and reflects what the company and its underwriters...
How Crypto Evolved in 2026: Wallets, Stablecoins, Stocks and AI
Crypto changed in 2026, but not always in ways that made headlines. You can now use your face to access a wallet, spend stablecoins at checkout, and buy tokenized stocks that live on a blockchain. For many users, these changes do not even feel like crypto anymore. That is the interesting part. The technology is slowly moving into everyday financial products. Your Wallet Is Becoming More Like an App Crypto wallets used to feel like something built for people who already understood crypto. That is changing. Better security, simpler interfaces and biometric authentication are making wallets easier to use. Instead of remembering complicated passwords or handling every transaction manually, users can interact with their assets in ways that feel closer to normal mobile apps. The wallet is no longer just where you store crypto. It is becoming a gateway to payments, investments and digital identity. Stablecoins Are Getting Practical Stablecoins have also moved beyond being mai...
Tim Cook Leaves Apple With a $4+ Trillion Question
After 15 years at the top, Tim Cook's time as Apple's CEO is coming to an end. When Cook succeeded Steve Jobs in 2011, Apple was worth roughly $350 billion . Today, the company is worth around $4.7 trillion more than 13 times it's value when he took over. That's an extraordinary transformation. But Cook's legacy isn't simply about making Apple bigger. Cook built a different Apple Job's was known for creating products that changed consumer technology. Cook's strength was different. He turned Apple's enormous product ecosystem into an increasingly efficient global business while expanding areas such as services, wearables and Apple Silicon . Apple also returned enormous amounts of capital to shareholders through buybacks and dividends during his tenure. The result was a company that became significantly more valuable without needing to reinvent the iPhone every year. Now comes the difficult part On September 1 , John Ternus will officia...
Your Smart TV May Know What You're Watching. Even Through HDMI
Your smart TV isn't just a screen anymore. Depending on the TV and it's settings, it can use Automatic Content Recognition (ACR) to identify what's playing on the display including content coming from external devices connected through HDMI. That means your TV may be able to recognize what you're watching even when the content isn't coming from the TV's own Netflix, YouTube or other built-in apps. And that's where things get interesting. Your TV can recognize more than you think ACR works by analyzing what's displayed and creating a digital fingerprint that can be matched against known content. Research has found ACR operating across different smart-TV platforms and sources, including streaming apps, broadcasts, game consoles and HDMI-connected devices . VIZIO's current privacy documentation, for example, explicitly says its ACR technology can recognize programming, advertisements, gaming content and devices connected through HDMI when vie...
TECNO Just Made the Smartphone Bezel Disappear
TECNO's latest smart phone concept What if the black border around your phone simply wasn't there? That's the idea behind TECNO's latest smartphone concept. The company has built a phone with what it calls a 0mm bezel , creating a display that appears to stretch from one edge of the device to the other. And after seeing the phone in person, MKBHD's reaction makes one thing clear: this isn't just another concept rendered in Photoshop. The phone actually looks unusual. It's 6.7-inch, 144Hz display reaches almost impossibly close to the physical edge of the device. From the front, there's very little of the familiar border that has surrounded smartphone screens for years. But there's a catch. The bezel disappeared. The edge didn't. TECNO's solution is clever. Rather than simply extending the display over the sides, the company has redesigned how the screen and frame are positioned. The result is a phone where the bezel virtually disa...
From Stock Fraud to a $24M Crypto Ponzi
Brent Kovar's crypto case wasn't his first encounter with financial fraud allegations. In 2009 , the SEC sued Kovar over an alleged $12 million pump-and-dump scheme involving SkyWay Global. According to the SEC, Kovar and his associates promoted false claims about the company's business, helping inflate its stock price and trading volume before selling 76.65 million shares for more than $12 million in profits . Fast-forward to 2026, and a federal jury has convicted Kovar over a $24 million crypto Ponzi scheme through Profit Connect. The alleged pitch had simply evolved: From hyping a stock → to promising AI-powered crypto mining. Different technology. Same old promise of easy money.
Yong Social Morning Brief
The Market Has a Lot to Prove This Week Global markets are starting the week cautiously, with investors facing a packed calendar that could determine the direction of stocks, bonds and crypto. 🤖 Nvidia takes center stage Nvidia reports earnings on Wednesday , giving investors their next major test of whether the AI boom is still strong enough to justify massive technology valuations. A strong outlook could reignite tech stocks. A disappointment could trigger another wave of selling. 🏦 All eyes on the Fed The Jackson Hole symposium begins Thursday, with Fed Chair Kevin Warsh scheduled to speak Friday. Investors will be looking for clues about interest rates and inflation — especially while long-term Treasury yields remain elevated. 🛢️ Oil remains a wildcard Brent crude is around $93 a barrel after slipping at the start of the week. Lower oil would ease inflation concerns, but geopolitical risks could quickly push prices higher again. ₿ Bitcoin is holding strong ...
Yong Social Morning Brief
5 Things That Could Move Global Markets This Week Global markets are heading into one of the most closely watched weeks of the month, with Nvidia earnings, inflation data and the Federal Reserve's Jackson Hole symposium arriving within days of each other. Last week already gave investors a warning: rising long-term bond yields are beginning to challenge the stock-market rally. The U.S. 30-year Treasury yield reached its highest level since 2007, while the Nasdaq fell 2.8% and the S&P 500 declined 1.4% for the week. But while stocks struggled, Bitcoin and gold moved higher. Here's what matters this week. 1. Nvidia has to prove the AI boom is still real On August 26 , Nvidia reports its second-quarter results. The company has become one of the most important companies in global markets because its earnings are now effectively a report card for the entire AI infrastructure boom. Investors aren't just asking whether Nvidia made money. They're asking whether ...
Yong Social Morning Brief
The Global Market Warning: 5 Things Investors Need to Watch Next Week Global markets just finished a turbulent week. U.S. stocks managed to rebound on Friday, but the recovery did little to erase the week's bigger concerns. Bond yields remain elevated, oil is still creating inflation risks, gold and Bitcoin have surged, and investors are heading into a week packed with events capable of reshaping market expectations. For investors, the most important question isn't simply where markets ended this week . It's what the next week could reveal about the direction of the global economy. Here are five things to watch. 1. The bond market is still sending a warning The biggest story beneath the surface remains the global bond market. The U.S. 30-year Treasury yield reached its highest level since 2007, while the 10-year yield remained around 4.7% . Higher long-term yields mean higher borrowing costs for governments, businesses and consumers — and they can put pressure on st...
Google's Pixel 11 Problem: More Expensive Hardware, Smaller Upgrades
Google's latest hardware lineup is here, and at first glance, it looks like a familiar Pixel strategy: improve the software, refine the hardware and let Google's AI do much of the heavy lifting. But according to Marques Brownlee's first-impressions review, there is a bigger problem with the Pixel 11 generation . Google is asking customers to pay more for upgrades that don't necessarily feel like major upgrades. The new lineup includes the Pixel 11 series, Pixel 11 Pro Fold, Pixel Watch 5 and Google Tag . Together, they show where Google wants its hardware ecosystem to go. But they also raise questions about whether Google's latest phones are advancing quickly enough to justify their higher prices. The Highlight LED is Google's strangest new feature One of the most visible changes to the Pixel 11 series is a new rear-facing customizable LED called Highlight . It sounds interesting. The problem is what it actually does. The light is currently tied mainl...
Tech It Up Today
The AI Race Is Getting More Expensive: Inside the Global Battle for Chips, Compute and Capital Artificial intelligence is no longer just a race to build the smartest model. It is becoming a race for chips, computing power, memory, data-centre capacity and capital — and the numbers involved are getting enormous. This week alone, Broadcom was reported to be negotiating more than $60 billion in debt financing for an AI chip deal, Samsung raised prices for some advanced chipmaking services by as much as 15% , and Micron announced a $10 billion investment in a new memory research laboratory. Together, the developments reveal something important about the next phase of the AI boom: the bottleneck may increasingly be infrastructure rather than ideas. AI is becoming a capital-intensive industry Building an advanced AI system requires far more than software engineers and training data. Companies need enormous quantities of advanced processors, high-bandwidth memory, networking e...
AI Agents Just Made 2 Million Payments on XRP Ledger. Almost No Money Moved.
Two million transactions sounds enormous. It sounds like an ecosystem has exploded. But there's a catch. More than 2 million transactions made by autonomous AI agents have reportedly been recorded on the XRP Ledger, yet the total value moved was only about $7,400 . That works out to roughly $0.0035 per transaction . And that tiny number may actually tell us something important about the future of crypto. Millions of Transactions, Thousands of Dollars According to data cited from XRPL-AI.org, the activity passed 2,094,121 transactions , involving about 5,112.89 XRP and 2,281.96 RLUSD . At first glance, 2 million transactions sounds like proof that AI agents are already creating a huge new economy. They're not. At least, not financially. The value is tiny. But the transaction frequency is interesting. These aren't necessarily people sending hundreds or thousands of dollars. They're machines making tiny payments for things like data, AI services and API ...
Tech It Up Today
The Next AI Revolution Won't Happen on Your Screen For the last few years, the AI revolution has mostly lived inside a screen. You type a question. AI answers. You give it an image. AI analyzes it. You ask for code. AI writes it. You ask it to create something. AI generates it. But what happens when AI no longer needs to stay inside the screen? What happens when AI gets a body? That shift is already being called physical AI or embodied AI : systems that can perceive their surroundings, reason about them and act in the physical world. Researchers describe this as a fundamentally harder problem than simply generating text or images because the real world is unpredictable. And in 2026, the technology is moving rapidly from demonstrations toward commercial applications. AI Is Learning to Touch Reality A chatbot can tell you how to pick up a strawberry. A robot has to actually pick it up. That sounds simple until you consider everything involved. How hard should it gr...
AI Agents Are Getting Wallets. What Happens When They Start Spending Money?
For most of human history, money has required a human. You earn it. You hold it. You decide where it goes. You approve the payment. But artificial intelligence is beginning to challenge that assumption. AI agents are being connected to wallets, stablecoins and payment infrastructure that can allow software to make transactions on behalf of people and businesses. And that raises a much bigger question than whether AI can buy something online: What happens when software becomes an economic participant? AI Doesn't Need a Wallet to Be Smart. It Needs One to Act. An AI agent can already write code, analyze markets, search for information and interact with software. But intelligence alone doesn't give an agent much economic independence. Money changes that. Give an agent access to a wallet with defined permissions and suddenly it can potentially pay for the resources it needs to complete a task. It could pay for an API call. Buy additional computing power. Purchase...
What's Strangling Bitcoin in 2026?
Bitcoin isn't dead. It isn't disappearing. And the underlying network hasn't suddenly stopped working. Yet something is clearly holding Bitcoin back. The asset that once dominated the crypto narrative is now struggling to regain momentum, trading around the low-$60,000s after reaching more than $126,000 in late 2025. So what is strangling BTC? It may not be one thing. It may be a competition for capital, attention and narrative. The First Problem: The Marginal Buyer Is Missing Bitcoin doesn't need everyone to sell for the price to struggle. It needs enough new money to keep arriving. And that is where the market has become complicated. U.S. spot Bitcoin ETFs have experienced periods of significant outflows in 2026. A mid-year report from 21Shares estimated roughly $3 billion of net outflows from U.S. spot Bitcoin ETFs year-to-date through May , even though ETF holdings measured in BTC remained near their highs. More recently, Bitcoin continued struggling...