Savings Account -

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

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. savings account

The user sees a weekly summary: "This week, you saved $22.40 just by spending smarter than usual." the app "skims" the difference (e.g.