Customers can earn the highest APY of 3% if they save at least 20% of their quarterly deposits. The APY decreases as the savings rate decreases, with a minimum APY of 1% for customers who save less than 5% of their quarterly deposits. To determine the savings rate, HMBradley looks at the average daily balance of the account over the previous quarter and divides it by the average of the total deposits made during that quarter. The savings rate is then used to determine the corresponding APY for the next quarter. HMBradley also offers a mobile app that allows customers to manage their accounts, track their savings rate, and set savings goals. The app provides insights and recommendations to help customers improve their savings habits. In addition to the variable interest rate, HMBradley offers other features such as no monthly fees, no minimum balance requirements, and unlimited ATM fee reimbursements worldwide. Overall, HMBradley aims to incentivize and reward customers for saving money by offering a variable interest rate that increases as their savings rate increases. Social Link

Users can buy, sell, and trade NFTs on the platform using various cryptocurrencies, including Binance Coin (BNB). The marketplace supports multiple chains, allowing users to interact with NFTs from different blockchain networks. HoDooi.com aims to provide a user-friendly and secure platform for artists, creators, and collectors to showcase and trade their digital assets. It offers a wide range of digital artworks, including digital art, virtual real estate, virtual goods, and more. The platform also features a decentralized auction system, allowing users to participate in auctions and bid on their favorite NFTs. Additionally, HoDooi.com provides tools for artists and creators to mint and list their NFTs, enabling them to monetize their digital creations. With its multi-chain support, HoDooi.com aims to bridge the gap between different blockchain networks and provide a seamless experience for users. It also plans to integrate with other popular blockchain networks in the future, expanding its reach and offering more options for users. Overall, HoDooi.com is a comprehensive NFT marketplace that aims to cater to the needs of artists, collectors, and enthusiasts in the digital art and collectibles space. Social Link

Flyp.me is a new service being launched by Holy Transaction that allows users to exchange cryptocurrencies directly from their wallets without the need for an account or registration. The service aims to provide a fast, secure, and private way to exchange cryptocurrencies, with no third-party involvement. One of the unique features of Flyp.me is its profit sharing model. When users make an exchange on the platform, a portion of the fees generated from the transaction will be distributed to token holders. This means that users can earn passive income simply by holding the Flyp.me token. The Flyp.me token, also known as FYP, is an ERC-20 token built on the Ethereum blockchain. It will be used to distribute profits to token holders and can also be used to pay for fees on the platform at a discounted rate. Overall, Flyp.me aims to provide a seamless and profitable cryptocurrency exchange experience for users. With its profit sharing model and wide range of supported cryptocurrencies, it could be an attractive option for those looking to exchange cryptocurrencies quickly and securely. Social Link

Honeydue allows couples to easily manage their finances together. With Honeydue, partners can create a shared budget, track their expenses, and stay on top of their financial goals. One of the key features of Honeydue is the ability to link bank accounts and credit cards. This allows the app to automatically pull in transactions, making it easy for couples to see their spending in one place. By having all their transactions in one app, partners can easily track their expenses and identify areas where they can save money. Honeydue also allows couples to create a shared budget. Partners can set spending limits for different categories, such as groceries, dining out, or entertainment. The app will then track their spending in each category and send notifications when they are close to reaching their budget limits. This helps couples stay accountable and avoid overspending. In addition to the shared budget, Honeydue also has individual sections for each partner. This allows couples to keep track of their personal expenses separately. Each partner can link their own bank accounts and credit cards, and the app will pull in their individual transactions. This way, partners can still have their own financial independence while also being able to see the shared transactions. The “All” section in Honeydue is where both partners can see all the shared transactions. This section is useful for keeping track of joint expenses, such as rent, utilities, or shared subscriptions. Partners can easily see who made the transaction and how much was spent. Honeydue also offers additional features to help couples manage their finances. Partners can set financial goals together, such as saving for a vacation or paying off debt. The app will track their progress towards these goals and provide insights on how they can achieve them faster. Overall, Honeydue is a convenient and user-friendly app that helps couples manage their finances together. With its ability to link bank accounts, create shared budgets, and track expenses, Honeydue makes it easy for partners to stay on top of their financial goals and have a clear picture of their finances. Social Link

The Global token, called HNY, is used for governance and decision-making within the 1Hive community. HNY holders can participate in voting on proposals and shaping the direction of the project. The Local token, called xCOMB on xDai and COMB on Polygon, is used to incentivize liquidity providers and traders on Honeyswap. Liquidity providers earn fees from trades and receive a portion of the Local token as a reward. Traders can also earn Local tokens by participating in liquidity mining programs. Honeyswap uses an automated market maker (AMM) model, where trades are executed against liquidity pools rather than traditional order books. This allows for continuous liquidity and eliminates the need for a centralized order matching system. To provide liquidity, users can deposit an equal value of two tokens into a liquidity pool. In return, they receive liquidity pool tokens that represent their share of the pool. These liquidity pool tokens can be redeemed for the underlying tokens at any time, along with any accrued fees. Honeyswap also features a swap interface where users can easily trade between supported tokens. The swap interface calculates the best available price based on the liquidity in the pools and executes the trade instantly. Overall, Honeyswap aims to provide a decentralized and user-friendly exchange experience while incentivizing liquidity providers and fostering community governance. Social Link

Guarda Wallet apps are constantly updated and improved to provide users with the best experience and security. Social Link

The Gusto Wallet app provides a range of features to help users manage their finances and achieve their savings goals. Here are some key features of the app: 1. Interest-Bearing Cash Account: Gusto Wallet offers an interest-bearing cash account where users can deposit their paychecks. The account earns interest on the balance, helping users grow their savings over time. 2. Savings Goals: Users can set up multiple savings goals within the app. They can allocate a percentage of their paycheck to each goal, making it easy to save for different purposes such as emergencies, vacations, or down payments. 3. Automatic Savings: Gusto Wallet allows users to automate their savings by setting up recurring transfers from their paycheck to their savings goals. This feature helps users save consistently without having to manually transfer funds each time. 4. Spending Insights: The app provides spending insights and categorizes transactions, allowing users to track their expenses and identify areas where they can cut back or save more. 5. Financial Wellness Tools: Gusto Wallet offers various financial wellness tools and resources to help users improve their financial health. These may include budgeting tools, educational content, and personalized recommendations based on users’ financial habits. 6. Mobile App: Gusto Wallet is available as a mobile app, making it convenient for users to access their account and manage their finances on the go. It’s important to note that Gusto Wallet is only available to employees whose employers use Gusto for payroll processing. Users need to have their paychecks deposited through Gusto in order to open a Gusto Wallet account. Social Link

To participate in the yield farming on Hades Swap, follow these steps: 1. Visit the Hades Swap website at [https://hades.exchange/](https://hades.exchange/). 2. Connect your Ethereum wallet to the website. Hades Swap supports wallets such as MetaMask, WalletConnect, and Fortmatic. 3. Once connected, navigate to the “Yield” or “Farms” section of the website. 4. Choose the liquidity pool you want to provide liquidity to. Each pool consists of two ERC-20 tokens. Make sure you have these tokens in your wallet. 5. Click on the “Stake” or “Deposit” button for the desired pool. 6. Enter the amount of tokens you want to stake in the pool. Be aware of the risks associated with impermanent loss. 7. Confirm the transaction in your wallet. You may need to pay gas fees for the transaction. 8. Once your tokens are staked, you will start earning SOUL tokens as rewards. The amount of SOUL earned depends on the amount of liquidity you provide and the duration of your stake. 9. You can monitor your staked tokens and earned rewards on the Hades Swap website. 10. To withdraw your staked tokens and earned rewards, go back to the “Yield” or “Farms” section and click on the “Withdraw” or “Harvest” button for the desired pool. 11. Confirm the transaction in your wallet. You may need to pay gas fees for the transaction. 12. Your staked tokens will be returned to your wallet, along with any earned rewards. Remember to do your own research and understand the risks involved in yield farming before participating. Social Link

Hay aims to provide a seamless and user-friendly banking experience for its customers. The Hay app allows users to easily manage their finances, track their spending, and set financial goals. The app also provides detailed transaction information, including merchant details and location, to help users better understand their spending habits. One of the key features of Hay is its travel budgeting feature. Users can set a travel budget within the app and track their expenses while traveling. The app provides real-time updates on spending, allowing users to stay within their budget and avoid overspending. Hay also offers fee-free foreign exchange rates through its Hay Visa card. This allows users to make international transactions without incurring additional fees or charges. The app provides real-time exchange rate information, ensuring that users get the best rates when making foreign transactions. In addition to these features, Hay provides monthly insights to help users understand their spending patterns and make informed financial decisions. The app categorizes transactions and provides visual representations of spending habits, making it easy for users to identify areas where they can save money. Overall, Hay aims to simplify banking and provide users with a comprehensive set of tools to manage their finances effectively. With its digital transaction account, enriched payment information, travel budgeting features, and fee-free foreign exchange rates, Hay offers a compelling solution for individuals looking for a modern and convenient banking experience. Social Link

Globiance aims to bridge the gap between traditional financial systems and the world of cryptocurrencies. The platform allows users to easily convert between cryptocurrencies and fiat currencies, making it convenient for both retail and corporate customers. One of the key features of Globiance is its payment solutions, which enable users to make payments using cryptocurrencies. This allows for faster and more secure transactions, as well as lower fees compared to traditional payment methods. Globiance also offers worldwide transfers, allowing users to send money internationally using cryptocurrencies. This eliminates the need for traditional banking systems and reduces the time and cost associated with cross-border transfers. In addition to its exchange and payment services, Globiance also provides a range of financial products and services, including savings accounts, loans, and investment opportunities. This allows users to grow their wealth and take advantage of the opportunities offered by the cryptocurrency market. Overall, Globiance aims to provide a comprehensive suite of financial services for both individuals and businesses, making it easier for them to navigate the world of cryptocurrencies and take advantage of the benefits they offer. Social Link

GoBank, now known as GO2bank, is an online banking service that provides a wide range of features to its users. It offers services such as ASAP Direct Deposit™, which allows users to receive their pay up to 2 days before payday. It also provides access to a free ATM network and the ability to deposit cash at thousands of participating retailers nationwide. Users can deposit checks using their smartphone and pay bills on the go. Some features require a personalized debit card. The GoBank app, available for mobile devices, includes tools to help users build and stick to a budget, and even offers real budgeting advice from their Fortune Teller feature. Please note that some limits apply to these features and the monthly fee of $8.95 for your card account will be waived if you sign up for Direct Deposit and have a monthly payroll or government benefits deposit totaling at least $500. Year Founded: GoBank was founded in 2013. CEO: The CEO of GoBank is George Gresham. Headquarters: GoBank’s headquarters are located in Monrovia, California, United States. Why choose GoBank? ASAP Direct Deposit™: This feature allows you to get your pay up to 2 days before payday. Free ATM network: You can find a free ATM near you. Deposit Cash: You can add cash to your account at thousands of participating retailers nationwide. Mobile check deposit: You can deposit checks with your smartphone. Pay Bills: You can pay rent and other bills on the go. Personalized debit card: Some features require a personalized debit card. Budgeting Tools: The GoBank app provides tools to help you build a budget and stick to it. Social Link

With GoHenry, parents can easily set up an account for their child and manage their allowance. They can choose how much money to give their child and set up automatic transfers. This allows kids to learn about budgeting and saving money. The GoHenry app allows kids to track their spending and see how much money they have available. They can also set savings goals and track their progress. This helps them develop good money habits and learn the value of saving. GoHenry also offers Money Missions, which are fun and educational tasks that kids can complete to earn extra money. These missions teach kids about different aspects of money management, such as budgeting, saving, and making smart purchasing decisions. Parents have control over their child’s spending by setting flexible parental boundaries. They can choose where their child can use the card, set spending limits, and even block certain types of purchases. This gives parents peace of mind knowing that their child is learning about money in a safe and controlled environment. Overall, GoHenry is a great tool for teaching kids money skills. It provides a hands-on learning experience and gives parents the tools they need to guide their child’s financial education. Social Link