Is Asmoney is a scam? I cannot verify. Whether I would use it for on the spot payments is hard to say.
In terms as using it a storage or sort of bitcoin bank. I've had a small faucet deposit invested for about a year now. But I'm skeptical to deposit large funds. I think it also used to be 5% per year and now its 4%. But I could be mistaken. For example $10 could generate approximately 50 cents a year. I might reconsider if the website had more reputation. Lets consider big reputable companies... Mt.Gox