A multi-bank aggregation app that connects to users' various bank accounts via open banking APIs, analyzes fee structures for each transaction type (CBILL, SEPA, international transfers), and recommends or auto-routes payments through the cheapest option. It also flags dormant accounts with maintenance fees and suggests closures or alternatives to reduce unnecessary costs.

Open banking regulations (PSD2 in Europe, similar frameworks globally) now make it technically feasible to aggregate and act across multiple bank accounts. The rise of neobanks like Revolut, Wise, and GoTyme has fragmented users' finances across more accounts than ever, creating real demand for a unified optimization layer.