A SaaS platform that connects to bank accounts to analyze cash flow and expenses, then uses AI to calculate personalized emergency fund targets. It monitors real-time interest rates across high-yield savings, money market funds, and Treasury instruments, automatically allocating excess cash to optimal vehicles through intelligent rules-based transfers while maintaining your target liquidity for immediate needs.

Volatile interest rates and persistent inflation have made cash allocation optimization critical for wealth preservation. Modern fintech infrastructure (Plaid, etc.) enables secure account aggregation and automated transfers, while the gap between checking (0.1%) and high-yield accounts (4-5%) creates significant opportunity cost for idle cash.