Are you interested in a savings account because you want a purely riskless way of earning more BTC, or would you be open to a relatively low (but not zero) lending agreement with potentially higher interest?

I ask since I'm a developer working in the space from a finance background, and have been evaluating some projects in the latter (lending) space.

Putting your money in a saving account should inherently be more of the latter but, at least in the US, the FDIC will back you up with the full faith of the US gov't to the tune of $250k USD, making it the former.  Not sure how the equivalent in BTC would look like (nor would we want one, possibly?).