I'm confused. They say they can give more interest because they don't have the costs of traditional banks. But then in the FAQ, they say that they're a middleman for a bank acct provided by a traditional bank ("Your money stays in an FDIC-insured deposit account provided by Beam's bank sponsor"), so the 'no costs' explanation makes no sense, they're adding an extra layer.<p>So where does the extra money come from? "Beam makes money by providing value-added services to our partnering bank and other financial service partners in the banking ecoysystem".<p>Well, that's... nonspecific. What services? What's the actual thing they'll be making money from? Why are they being vague about it? This smells of the nominal customer actually being the product, unroll.me style