Sounds like a good job that I never heard of bellyrubbank. 45% guaranteed return is very high. In crypto world this is almost plausible as this is a parrallel world which has nothing to do with the real world.
In crypto I have done the equivalent of handing my bitcoin to complete strangers for returns even higher than this, but none used the word “guaranteed”. Luckily I always got my bitcoin principal back.
Until the bank runs off woth your money you are just a smart investor. After the bank closes, and keeps your money, everyone says “the high return made it an obvious scam”.