Savings Account (ESSENTIAL ◎)

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.

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

Users are less likely to switch banks once they have a personalized, automated system tracking their financial security. Unlike standard round-ups that only hit whole dollars,

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'?" Users are less likely to switch banks once

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

The user selects a target (e.g., "3 Months of Expenses").