Savings Agent — Intelligent Yield Optimization
Auto-savings engine: idle fund detection → yield optimization → goal tracking → auto-sweep → compound interest · up to 5% APY on USD savings
1 Savings account structure
Account types
Flexible savings (USD)
Fixed term (30/90/180d)
Goal-based savings
Round-up savings
Emergency fund
Yield tiers
5.0% APY (fixed 180d)
4.5% APY (fixed 90d)
4.0% APY (fixed 30d)
3.5% APY (flexible)
Boosted +0.5% (promo)
Avg portfolio APY: 4.2%
Yield sources
Treasury bills (US)
Money market funds
USDC staking yield
Partner bank deposits
Blended rate calc
Insurance & safety
FDIC pass-through
Partner bank insured
$250K per depositor
Daily reconciliation
Segregated accounts
Currency support
USD (primary)
GBP (UK users)
EUR (EU users)
NGN (Nigeria)
Auto-FX on deposit
2 AI auto-sweep engine
Idle fund detection
Spending pattern ML
Buffer calculation
Upcoming bills pred
Paycheck cycle detect
Safe-to-save amount
Sweep rules
Auto-sweep threshold
Maintain minimum bal
Weekly sweep schedule
Post-paycheck sweep
User-defined rules
Round-up savings
Transaction round-up
Round to $1 / $5 / $10
Multiplier (2x, 3x)
Daily batch transfer
Gamification badges
Avg round-up: $45/mo
Smart recommendations
Surplus detection
"You have $500 extra"
Term upgrade suggestion
Goal contribution reco
Prael conversation
Instant access
Flexible: instant
Fixed: early penalty
Auto-unwind (if needed)
Grace period (24h)
Emergency override
3 Goal-based savings
Goal creation
Emergency fund (6 mo)
Vacation
Car down payment
Custom goal
Target amount + date
Contribution planning
Required monthly contrib
Auto-contribute schedule
One-time boost
Catch-up if behind
Windfall allocation
Progress tracking
Visual progress bar
% complete
Days to goal
Interest earned
Milestone celebrations
Goal completion
Goal reached! 🎉
Payout options
Roll to new goal
Extend target
Share achievement
4 Interest calculation & compounding
Interest accrual
Daily accrual
End-of-day balance
Weighted average
Tier-based rates
Real-time display
Compounding
Daily compounding
Auto-reinvest
APY vs APR display
Compound calculator
Future value projection
Payout options
Monthly payout
Quarterly payout
Maturity payout
Reinvest (default)
To checking account
Tax handling
1099-INT generation
YTD interest tracking
Tax withholding
Document download
Tax year summary
Rate changes
Fed rate monitoring
Rate change alerts
Grandfathered rates
Promo rate tracking
Competitor comparison
5 Savings analytics & coaching
Portfolio view
Total savings balance
By account type
Interest earned (MTD/YTD)
Blended APY
Growth chart
Total savings: $42M
AI coaching
Savings health score
Emergency fund status
Optimization tips
Term ladder suggestion
Peer comparison
Projections
1 year projection
5 year projection
Retirement scenario
What-if calculator
Goal timeline
Notifications
Interest credited
Term maturity alert
Goal milestone
Rate change
Weekly summary