A web app that analyzes a user's country, institutions, account types, balances, time horizon, and risk preferences, then recommends where each cash bucket should sit. It explains protection limits, liquidity tradeoffs, concentration risk, and product suitability, while flagging when a user is confusing guaranteed deposits with market-risk products.

Higher interest rates, wider access to online brokers, and growing retail investing have pushed more savers to compare banks, funds, deposits, ETFs, and specialty products. Users increasingly need practical allocation tools rather than generic financial education.