A web/mobile app that asks users about their location, income, goals (house, retirement, child's future), timeline, and risk tolerance, then generates a personalized allocation across specific account types and providers with current interest rates and fees. The tool integrates with account opening APIs (Plaid, regional equivalents) for one-click setup at recommended institutions and rebalances recommendations as rates and tax rules change. It functions as an automated robo-advisor for account selection, not just investment picks.

High interest rates have made account choice (HYSAs at 5%+ vs checking at 0%) materially impactful, while a multi-trillion-dollar generational wealth transfer is putting cash in the hands of financially unprepared millennials and Gen Z. Open banking APIs now make programmatic account opening and rate comparison feasible across jurisdictions.