A lot of FinTechs rely on a third party financial institution to power their products. For example both Yotta Savings & Juno rely on Synapse. Unfortunately Synapse went bankrupt in October and last week TabaPay pulled out of purchasing Synapse. It’s not clear if this has caused further issues but Yotta has sent out this e-mail:
It’s also not possible to do any ACH transactions on Juno. Money held should be safe as it’s insured at partner banks.