Encourages higher deposit volumes by capturing "hidden" liquidity that users would otherwise spend.
The user selects a target (e.g., "3 Months of Expenses").
Users can toggle an "Extra Income" sensor. When a deposit 20% larger than a typical paycheck hits (like a bonus, tax refund, or Venmo reimbursement), the app prompts: "You just received a windfall! Move 30% to your 'Safety Net'?" savings account
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Users are less likely to switch banks once they have a personalized, automated system tracking their financial security. When a deposit 20% larger than a typical
The app scans the last 90 days of transactions to determine the "Burn Rate."
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. Learn more Users are less likely to switch
The user sees a weekly summary: "This week, you saved $22.40 just by spending smarter than usual."