Savings Account Link

Users are less likely to switch banks once they have a personalized, automated system tracking their financial security.

The app scans the last 90 days of transactions to determine the "Burn Rate." savings account

The user selects a target (e.g., "3 Months of Expenses"). Users are less likely to switch banks once

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. the app "skims" the difference (e.g.

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Encourages higher deposit volumes by capturing "hidden" liquidity that users would otherwise spend.

The user sees a weekly summary: "This week, you saved $22.40 just by spending smarter than usual."