How’s this for a head-scratching concept? Saving money by playing the lottery — not the ones that Americans sink $80 billion into each year, but rather Yotta’s lottery. Led by Adam Moelis W14, Yotta aims to get more Americans on board with banking — and, in turn, help them save more money.

Here’s how it works: For every $25 they have in their accounts, Yotta users get a lottery ticket that could win them up to $10 million through regular drawings. The prizes are pooled from interest gained by participating banks, meaning the winnings don’t come from users’ accounts. That system, Moelis is betting, could inspire some of the roughly 14 million American adults who don’t have bank accounts to sign up and, in turn, move the needle further on financial stability in the U.S.

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