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Interest rates on Outlet can vary over time and are not guaranteed. Outlet is not a bank account, it is an alternative way to save and earn interest. Outlet is not insured by the FDIC. Funds deposited through Outlet are protected against smart contract risk through smart contract protection. Our smart contract protection covers the following: The protection will cover “unintended code usage” where someone, not necessarily the cover purchaser, has suffered a financial loss on the smart contract. While your funds are backed by smart contract protection, this is not a guarantee as the technology is still in it's infancy. This is not a risk free product.