[RegnisGnaw]

The phrasing "up to 10%" is already sketchy. I mean literally 0% is also up to 10%.

[yunohn]

In fact, they don’t even guarantee a positive return:

“As detailed in your account agreements, Seashell is not FDIC insured and like any investment product, there is a risk that your investment may lose value.”

https://www.seashell.com/frequently-asked-questions

[giantg2]

And 0% isn't even the floor. It could be -100% (not FDIC insured) to +10%.