By using our services, you authorize Yotta Savings to hold your deposits for your benefit at Synapse's partner banks, Members FDIC, in an account (“FBO Account”). For purposes of applicable FDIC deposit insurance limitations, please note that deposits in this FBO Account may not be separately insured from any other deposit accounts you may have with Evolve Bank & Trust.

Lending services are offered via Synapse Credit LLC. Yotta does not own or collect on any debt at any phase of the lending cycle.

Lending services are currently only available in Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Texas, Tennessee, Utah, Virginia, West Virginia, and Wyoming. Please see here for more details on the states that Yotta loans are available in.

1) Early access to direct deposit depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

*Odds of a free purchase depend on if you have direct deposit setup as well as how many referrals you have. With direct deposit setup, your odds are at least 1 in 150 for the debit card on average and a 1 in 75 for the credit card on average. Every friend you refer unlocks you 30 days of 1 in 100 odds on average for free stuff on your debit card and 1 in 50 odds on average for your credit card.

When you open a Crypto Bucket with Yotta, you will be moving money from your primary account into a crypto yield bucket. You understand that we will working with our custody partners who will convert your US Dollars to USDC and subsequently place your assets on yield-generating protocols. The USDC belongs to you and not Yotta; it is your asset, not an asset of Yotta. We are simply facilitating the process of holding/managing your crypto. Please see terms of service for more details.