wise美元余额开始给活期利息了，利率4.33%还不错，资金托管在摩根大通银行，但得提供SSN或ITIN号才可以
权当美版支付宝了，美版余额宝
Unlimited access, no hidden fees
Instant access to send and spend. 4.33% APY, paid monthly.
FDIC Insurance up to $250K
Through Wise’s program bank, JPMorgan Chase Bank, N.A (“JPM”).
