A web and mobile app that tracks users' cash goals, time horizon, country, tax wrapper, liquidity needs, and risk tolerance, then surfaces suitable savings and low-risk investment alternatives. It monitors expiring promos, rate cuts, product restrictions, and platform changes, then sends switch recommendations with plain-risk summaries, net yield estimates, and required actions.

Interest rates and promotional savings offers are changing frequently, while retail investors increasingly use multiple banks, brokers, and tax-advantaged accounts. Consumers need real-time decision support for cash allocation without relying on scattered forum advice or sales agents.