It's not exactly irrelevant, as it does signal someone gamifying finance which just raises all sorts of red flags for me. At that point, I'd be much more suspicious of anything else they said. This isn't a free toaster. This is someone playing with money in a way that is just suspect.

After all of that to then find out that the company isn't a bank yet claims FDIC insured while using a 3rd party to handle to the money because they aren't actually licensed for that while still claiming to be a bank? It's so bewildering I'm typing run on sentences