Gemini Earn

Sounds like scam, or they aren't telling you the monstrosity of risk they are taking to get those returns. If it's too good to be true in the finance world it ain't true.

I think you have no idea what you’re talking about

It seems have fdic?

They are pretty transparent about the risks when you sign up for Earn. You have to read some legalise for a bit, but it's there. I move a small bit into Earn. Doing fine.