Best High-Yield Savings Rates in the US — Up to 4.91%
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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...
Google Dodged a Breakup of Its Ad Business
Google just avoided one of the biggest threats to its advertising empire. On September 2, a U.S. federal judge rejected the Department of Justice's request to force Google to sell AdX , its advertising exchange, despite previously finding that Google illegally monopolized parts of the digital advertising market. Instead of breaking up the business, the court imposed behavioral remedies designed to make Google's advertising infrastructure more accessible to competitors. Google keeps AdX AdX sits at the center of Google's digital advertising system, connecting publishers with advertisers through automated auctions. The DOJ had argued that Google's control over multiple parts of the advertising supply chain created a conflict of interest that could not be fixed simply by changing Google's behavior. Its preferred solution was structural: force Google to divest AdX. The judge rejected that approach. For Google, that's a major win. The company gets to keep the infras...
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...
Alphabet’s $85 Billion AI Gamble: Why Google Is Asking Investors for More Money at a Critical Moment
Not long ago, Alphabet looked nearly unstoppable. The parent company of Google had briefly surpassed Nvidia in market value, its artificial intelligence products were gaining traction, and Wall Street largely viewed the company as one of the strongest contenders in the global AI race. Fast forward a few weeks, and the conversation has shifted. Alphabet's stock has been under pressure, heading toward its fourth consecutive weekly decline, while the company simultaneously seeks roughly $85 billion in fresh capital to fund one of the largest AI infrastructure expansions in corporate history. The timing has caught the attention of investors. After all, Alphabet isn't a startup struggling to survive. It's one of the richest and most profitable companies in the world. So why does a company with enormous cash flow suddenly need tens of billions of dollars from investors? The answer says a lot about where the AI industry is heading—and just how expensive the next phase of th...