Users are less likely to switch banks once they have a personalized, automated system tracking their financial security.
The user selects a target (e.g., "3 Months of Expenses"). savings account
The app scans the last 90 days of transactions to determine the "Burn Rate." Users are less likely to switch banks once
Encourages higher deposit volumes by capturing "hidden" liquidity that users would otherwise spend. the app "skims" the difference (e.g.
Unlike standard round-ups that only hit whole dollars, this feature analyzes monthly spending patterns. If you spend less than your 6-month average on a Tuesday, the app "skims" the difference (e.g., $4.15) into savings automatically.