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Re:Ask HN: Is Seashell legit? Startup offering 10% interest by RegnisGnaw on Thursday February 17, 2022 @12:05PM (#30375548)
The phrasing "up to 10%" is already sketchy. I mean literally 0% is also up to 10%.
Re:Ask HN: Is Seashell legit? Startup offering 10% interest by yunohn on Thursday February 17, 2022 @01:04PM (#30376417)
In fact, they don’t even guarantee a positive return:

“As detailed in your account agreements, Seashell is not FDIC insured and like any investment product, there is a risk that your investment may lose value.”

https://www.seashell.com/frequently-asked-questions

Re:Ask HN: Is Seashell legit? Startup offering 10% interest by giantg2 on Thursday February 17, 2022 @01:29PM (#30376733)
And 0% isn't even the floor. It could be -100% (not FDIC insured) to +10%.