#yotta

[relaxxilly]

Yeah go my shape oc slop

[jamelalatise]

Yotta at Tofuku-ji Temple for Artists Fair Kyoto 2025

[tartymae]

'I have no money': Thousands of Americans see their savings vanish in Synapse fintech crisis

For 15 years, former Texas schoolteacher Kayla Morris put every dollar she could save into a home for her growing family.

I said it a few months back, but here's yet another reminder why you do not want to keep "mission critical" money with a "financial services" or "banking services" company (such as Chime), even if they say the money is FDIC insured, because to do that, these companies are partnering with a 3rd party bank. And if something goes sideways in that relationship you will be waiting for months (or possibly even years) to access your funds while the dispute is sorted out.

[justinspoliticalcorner]

Don’t use Venmo as your checking account

Cash App, Venmo, and Chime don’t have fees. But they don’t have FDIC insurance either.

Adam Clark Estes at Vox:

Some people collect coins or stamps. For a time, I collected debit cards. Not stolen ones! Each one of them had my name on them, right below the logo of the latest banking app I’d decided to try out: Venmo, Cash App, Chime, Varo, Current, Acorns. For the better part of a decade, I did all my banking through these apps, enjoying their slick user experience and lack of fees. The problem with every one of them, however, is that they’re not chartered banks. If the company behind the app went bankrupt, the Federal Deposit Insurance Corporation (FDIC) would not necessarily come to my rescue. This disaster scenario was a hypothetical worry when I eventually settled for Chase and its FDIC insurance. For millions of others, it became a reality earlier this year when a company called Synapse collapsed and froze them out of their accounts. Users of Yotta, a popular savings app with a built-in lottery, and other apps that relied on Synapse to help manage their accounts couldn’t access their money for months. Now, as hundreds of thousands of Synapse customers’ dollars remain in limbo, Sens. Elizabeth Warren (D-MA) and Chris Van Hollen (D-MD) are calling for banking reforms, and the FDIC is proposing changes to its rules.

Still, a growing number of people are embracing these financial technology, or fintech, services. More than a third of Gen Z and millennials used a fintech app or a digital bank as their primary checking account, according to a 2023 Cornerstone Advisors study. So some questions are worth asking: Is it a bad idea to use an app like Venmo as your main bank? Are digital banks like Chime trustworthy enough? The answer to both questions is yes. Venmo is not a bank, and using it as your primary checking account comes with some risks. Some fintech companies, like Chime, are just as big as traditional banks and offer some nice perks. Again, because they’re nontraditional, there are risks. “You’re not going to go back to a world where everybody works with a small bank and walks into a branch,” Shamir Karkal, co-founder of Simple, one of the first digital banks. “The future is just going to be more fintech, and I think we all just need to get better at it.”

Neobanks and money transmitters, briefly explained

The term fintech can refer to a lot of things, but when you’re talking about everyday services for everyday people, it typically refers to either neobanks or money transmitters. Chime is a neobank. Venmo is a money transmitter. They’re regulated in different ways, but because most of these companies issue debit cards, many people treat them like checking accounts. Fintech apps are not the same thing as FDIC-insured banks.

Neobanks are fintech companies that offer services like checking accounts in partnership with chartered banks, which are FDIC-insured. Neobanks sometimes enlist intermediaries known as banking-as-a-service, or BaaS, companies, which are not FDIC-insured. Still, you will often see the FDIC logo on neobank websites, just like you see it stuck to the glass doors of many brick-and-mortar banks. That logo instills trust, and thanks to their partnerships, neobanks can claim some FDIC protections. But because they do not have bank charters, these neobanks and BaaS companies are not directly FDIC-insured. Instead, neobank customers can be eligible for something called pass-through deposit insurance coverage.

[...] Money transmitters, also known as money services businesses, are even further removed from the perceived safety of the FDIC. Put bluntly, if you’re keeping all your money in a Venmo or Cash App account, you don’t qualify for FDIC insurance. Money transmitters are not neobanks or banks at all but rather completely different legal entities that are regulated by individual states as well as the Department of the Treasury. There are certain protections provided by these agencies, but FDIC insurance is not one of them. So when an app like Yotta or Chime says on its website that it’s FDIC insured, it’s not a lie, but it’s not necessarily true either. Venmo, to its credit, admits in the fine print of its homepage that its parent company PayPal “is not a bank” and “is not FDIC insured.” To confuse you even more, however, certain PayPal services that enlist a chartered bank partner, like a PayPal Mastercard or savings account, might qualify for FDIC insurance. Again, it depends.

[...] That doesn’t necessarily mean that all neobanks and fintech companies are untrustworthy. In some cases, the sheer size and track record of fintech companies can instill quite a bit of trust. Chime, the largest digital bank with roughly 22 million customers, scored a $25 billion valuation in its latest round of funding and is planning to go public next year. Venmo’s parent company, PayPal, is widely considered safe and trustworthy. And don’t expect Block, the $42 billion company that owns Cash App as well as its own chartered bank, to fail any time soon. The truth is, even if there is some false sense of security, fintech apps offer certain customers features that big banks can’t or won’t. One thing that’s made Chime and many other neobanks so popular, for instance, is that they don’t charge so many fees. That’s a huge boon to young people as well as people without bank accounts. If a fintech app is your only option, then you might not care so much about FDIC insurance.

“If you’re poor in America and you’re banking at Chase or Wells Fargo, you’re going to get overdraft fees, minimum balance fees,” Mikula explained. “So there is a real need that [fintech] companies fulfill as a result of your establishment banks essentially not wanting to bank poor people because it’s difficult to do profitably.” As many as 6 percent of Americans were living without a bank account in 2023, according to Federal Reserve data. That share grows to 23 percent for those making less than $23,000 a year. The unbanked population, which disproportionately comprises Black, Hispanic, and undocumented people, is at a greater risk of falling victim to predatory lending practices, including payday loans. Some fintech companies also offer short-term loans, though they’ve been criticized for being predatory as well.

If you have Venmo, Cash App, Zelle, or any fintech or digital banking app, be aware: don’t use them as your primary checking account.

[animalsandskyyy]

random-

what i’ve learned from BOTH the gemini and yotta apps going to shit and freezing my money for who know how long- DONT TRUST MY DAD’S RECOMMENDATIONS ON NEW SAVING AND INVESTMENT APPS😭

[yottabites]

Yotta i made a shimeji of you do you like him pls ....

"Oh my god—?!?!" He laughed, leaning in close to the screen and staring in wonder at the mini him that dashed around the monitor. "Like him? I love him, that is so cute, it's a little guy! A little me! That's so cool. Look at his lil boots... " Yotta coos over the shimeji, pretending to drop it into a png full of lava.

[wtf-fun-factss]

Due to concerns of the rapid growth of total data storage exceeding 1 yottabyte in the 2030s, the International Bureau of Weights and Measures (BIPM) proposed to add two more prefixes to the metric system beyond Yotta- (10^24); Ronna- and Quecca- would be prefixes for 10^27 and 10^30, respectively. – WTF Fun Facts

Source: You know kilo, mega, and giga. Is the metric system ready for ronna and quecca? | Science | AAAS

[supercalloutfragilistic]

Studio Yotta is full of pedophilia sympathizers who are friends with a childpornographer

The owners of Studio Yotta, a company who works on cartoons aimed at children, are friends with a childpornographer nicknamed Shadbase.

In short, Shadbase doesn't just draw porn of fictional kids, he draws real children being raped and violently tortured and has gotten in legal trouble because of this. Anyone who would spare a friendly thought to an adult man who does this are themselves morally depraved and do not belong anywhere near children's media.

Imagine if this man earned money by drawing porn of your own child being raped and tortured while getting pissed on? Would you support people who choose to still be friends with a pedophile who did that to your kid?

We stumbled on a Tumblr post from years ago pointing out that Yotta's official twitter follows Shadbase. Hover over the post and you'll see "posted 5 years ago":

https://bitchydiscourse.tumblr.com/post/168557592469/follower-master-post

Archive in case proof is deleted (though hovering doesn't work here):

http://archive.fo/u76oM

Yotta unfollowed him some time after this post was made, assuredly not for moral reasons since Yotta's founder, Jake Ganz, still follows Shadbase on his personal twitter at the moment of writing.

[NOTE: Moment of writing was over a year ago, this article has not been published until now, so it's possible he has unfollowed Shadbase.]

Imagine how fucked up a company that makes media aimed at kids must be to publicly follow a child pornographer on their official twitter in the first place. It's like if Disney's twitter followed Epstein.

As if it wasn't enough that the studio's founder followed this pedophile, here's Yotta co-owner its_helixD being friends with Shadbase:

http://archive.is/lJ9ix

http://archive.fo/5uLZq

http://archive.fo/ULqN8

http://archive.fo/J15CQ

http://archive.fo/ozpgg

http://archive.fo/Qh3G0

http://archive.fo/SnnIo

http://archive.fo/k8G9P

http://archive.fo/KL1zb

http://archive.fo/ogGbU

http://archive.fo/e1cTi

http://archive.fo/EExiE

http://archive.fo/h9bVn

http://archive.fo/kevWL

http://archive.fo/lhaXs

http://archive.fo/cC9Ny

http://archive.fo/LMU6M

http://archive.fo/S5ybD

http://archive.fo/WdxdI

http://archive.fo/oYQE9

http://archive.fo/DSPTd

http://archive.fo/s9uHV

http://archive.fo/I58WG

Other Yotta co-owner tomamoto, real name Josh Tomar, being friendly with Shadbase as well:

http://archive.fo/D86oL

http://archive.fo/4O5OO

The co-owner's (tomamoto's) wife and Yotta's lead clean up artist jaxamoto, real name Christina Tomar, being friends with Shadbase:

http://archive.fo/zFJhD

http://archive.fo/oWn6l

http://archive.fo/q1H7J

http://archive.fo/GFDh8

http://archive.fo/8ohIS

http://archive.fo/y4g8V

http://archive.fo/0MVzF

http://archive.fo/DeVbH

Yotta artist Blitzwuff, real name Christina Danelon, flirting and being friendly with this child pornographer. Calling him "dad" and "hot":

http://archive.fo/pH5vM

http://archive.fo/IMIMC

http://archive.fo/leIoE

http://archive.fo/ppmrq

http://archive.fo/dkDa5

http://archive.fo/ixWey

http://archive.fo/7OA3g

http://archive.fo/W5fRY

http://archive.fo/AzUuH

http://archive.fo/2iyVr

http://archive.fo/nswdF

http://archive.fo/N8vDI

http://archive.fo/gTO49

Here she is mocking people for calling Shadman a Nazi, when that is how he chooses to present himself:

This woman is unironically calling a child pornographer hot on the same account that she uses to advertise her work on Disney shows.

Imagine if one of Disney's classic animators like Glen Keane had twitter posts up about how unironically "HOT" "DADDY" EPSTEIN is, you can't imagine that would ever happen, it's too absurd, but apparently Disney's modern animators are just this kind of gutter trash.

(To any of you "drawing lolicon isn't the same as producing child porn" shitheads, it definitely is when the child rape drawings are based directly on real children whose families get so upset they hire lawyers to go after the pedophile producing them.)

Yotta animator Sandra D Rivas being friendly with this pedophile:

http://archive.fo/8ax1u

http://archive.fo/xNSqQ

http://archive.fo/afR2S

http://archive.fo/ZwwRA

Yotta animator AtroxChobatsu complimenting Shadbase on his house. Did she actually visit the home of this child pornographer in person? WTF?

http://archive.fo/ifCXp

It bears mention that any excuses from Shad's friends along the lines of "Shad wasn't a gross pedophile in the past when I started being friends with him" are bullshit. Drawing torture porn of kids has been Shadbase's brand ever since he first started, as can be proven by his decades old kiddie snuff porn of "The World Ends With You", see evidence of it in the original Shadman callout.

Similarily, any excuses that "he's a nice guy if you ignore the whole producing childporn thing" are bullshit too (not to mention you'd have to be insane to ignore that part of him), Shadbase frequently uses slurs like "nigger" and "spic", his avatar used to be a Nazi and he draws Nazi porn, he publicly harasses and mocks disabled children, and most telling about the sort of person he is...

When an animator named Edd Gould died of cancer Shadbase drew and shared rape porn of him while the family and friends of Edd were still in mourning, before they even had time for a funeral, just to harass them. When he was blocked by the animator's friend on twitter for this, Shadbase and his fans continued harassing him until the guy unblocked him just to get Shad's whiny ass to fuck off. Somehow, despite all this, Shad's braindead fans are still convinced he's a nice guy.

Another revolting thing is that Yotta hired yet another pedophile who has drawn toddler porn and produced what legally may fall under real child pornography, to work on a Cartoon Network show. That pedophile uses the nickname Zone.

Proof Zone worked on the Cartoon Network show Ok Ko, on one of the shorts Yotta made for the show:

https://archive.is/HvIxe

Proof Zone has drawn toddler porn of Rugrats and childporn of other kids like Lisa Simpson:

https://supercalloutfragilistic.tumblr.com/post/712594446547648512/zone-used-a-real-childs-voice-in-his-pedophile

The worst is that Zone took the voice of a real child and used it in one of his drawn childporn videos depicting the 12 year old Toph from Avatar sucking the dick of another kid. Toph's voice actress was a kid when she acted in the show. Zone remixed this child's voice to sound like she was saying sexual things and sucking cock, just so adult men could masturbate over her voice. This would likely legally be considered real childporn. Yotta hired the man who produced this childporn to work in children's television.

Here's Yotta using their official twitter to thank Shadbase's business partner and fellow drawn childporn producer Spazkid for drawing them porn:

http://archive.fo/THp7y

The porn Yotta is thanking him for and Yotta's owner Jake Ganz commenting on it:

http://archive.fo/ImCNy

http://archive.fo/Ug6Na

This (probably?) isn't porn of a child but it's still notable for how creepy it is that they used Yotta's official twitter to thank Shadbase's business partner who also draws childporn and bestiality for it. Spazkid earns money by putting his porn on Shadbase and he draws shit like children engaging in incest with their parents and kids fucking dogs.

Spazkid seems to be good friends with Jake Ganz despite being a pedophile who draws kiddie porn, at the moment of writing he's one of Jake's favorite people on his Newgrounds page:

https://jakeganz.newgrounds.com/favorites/following/sort/name

These connections Yotta have with a childpornographer are unsurprising, as it seems the owners of the studio also work for the youtuber OneyNG, real name Chris O'Neill, producing merchandise for him and participating in his videos. OneyNG has publicly declared he is completely okay with adult men drawing rape porn of real children, when confronted over his support of Shadbase.

Parents, these are the people making stories for your children.

These are people working for Disney and Cartoon Network while being friendly with childpornographers. If they become showrunners these are the people your children are going to idolize and want to meet, and who your children are going to be influenced by.

Do you want your ten year old thinking adults making porn of children is alright because "cool" cartoonist Chris O'Neill said so? Do you want Disney animator Christina Danelon telling your kids that adults who make rape porn of children are "hot"?

Be aware of the sort of people whose careers you are furthering when you pay for media. Piracy is always a possibility if you want to enjoy something without supporting the gross people behind it. Here's a list of things Yotta's members proudly announce they work on:

https://en.wikipedia.org/wiki/Studio_Yotta

Before the inevitable "cancel culture is going too far" screeching comes from Yotta fans and employees over this post, as it always does when gross people get called out, let's point out that the Yotta crew themselves engage in "cancel culture". Yotta employees "cancelled" the streamer Destiny just because he said animators were privileged over construction workers (Destiny has said lots of gross pedo shit too but that isn't why they got angry at him).

Yotta founder Jake Ganz suddenly thinks rape jokes are problematic when someone he doesn't like made them in the past, despite him and his animation crew following a pedophile who draws child rape porn:

http://archive.fo/L3Bpx

Yotta animator AtroxChobatsu telling people to archive a clip of Destiny telling pedophilia supporter Psychicpebbles (another friend of Shad) to off himself, assuredly to spread it in an attempt to call out and ruin Destiny's career going by the ominous "He's done.", with Sandra D Rivas chiming in on how problematic Destiny's privilege comment was.

http://archive.fo/ARhTa

What fucking world do these people live in where saying "off yourself" and "animators earn too much compared to blue collar workers" is worse than producing childporn? (Also gotta agree that animators earn too much considering how many of them are ok with kiddie porn.)

Jaxamoto calling out Destiny for being a "HUGE FUCKING CREEPO GROSS EW" while still palling around with childporn producer Shadbase:

http://archive.is/CUQrs

Note she's also slyly (by spreading this info while telling people you shouldn't say it) making callout posts on Destiny for supporting pedophilia, rape, bestiality, incest- oh, Christina, you mean, LIKE YOUR BUDDY SHAD?

Hey Tomamoto and Jaxamoto, Josh and Christina, if you two have a child, would you still be friends with Shad if he drew porn of your kid getting raped by dogs and dirty old pedos while sucking their assholes? Just wondering, just a bit concerned here, seeing how you don't give a damn when he does it to other people's kids 🤔

Btw here’s what these people look like so you know who to avoid, public info, taken from the Sonic Wiki:

The point here isn't for us to defend Destiny, he's a legitimately creepy pedo sympathizer who deserves to be called out. Point is the Yotta crew is perfectly okay with engaging in "cancel culture" if you piss them off in a minor way like by saying animators don't deserve loads of money, they'll drag up comments you've made in the past, archive things, and will try ruining your career over it, calling you out if you've showed sympathy to pedophilia.

So... the point we’re making here is that people who are friends with childpornographers shouldn't be supported.