A unified dashboard that connects to users' banks, brokers, and payment platforms via Open Banking APIs to track every pending transfer in real-time across institutions. The tool detects stuck transfers, compares against typical timelines for that route, and auto-generates escalation letters and complaints to the relevant banks or regulators when SLAs are breached. Users get push notifications at each stage and a clear ETA for funds arrival.

Open Banking regulations (PSD2 in EU, similar frameworks rolling out globally in 2025-2026) finally make cross-institution transfer visibility technically feasible, while record numbers of users are switching banks and brokers chasing better rates and promotions.