At 4.5% p.a. guaranteed* return on your deposits, how legit is Chocolate Finance and how are they able to promise such a high yield when the banks can’t? Singaporeans rushed in after GXS opened its floodgates for its 3.48% p.a. return on deposits, but barely a month in, GXS decided to slash their interest rates to a lower 2.68% p.a. instead. Needless to say, that move left many customers pretty pissed, especially those who did take the trouble to sign up for an account and move their funds over. Not cool. While I knew it was only a matter of time before GXS would slash their interest rates, I certainly wasn’t expecting them to act so soon – if I had known, I may not have bothered to open an account and transfer my funds, much less write on it back then! But I did, and I moved my own funds as well, so now I’m in...