Make progress automatically — with full control.
Choose a schedule, set your rules, and approve every transfer. Easy to adjust. Easy to pause.
Illustrative product example. Smart Budgeting provides tools for awareness and automation, not financial advice, and does not guarantee savings.
Automated savings you set and control
Pick weekly, biweekly, or monthly. The system moves the amount you chose, only with your permission.
Rules you can customize in seconds
Build a rule from a short form. Edit or delete it whenever you like.
Everything stays transparent
Pause or edit any rule at any time. Transfers only occur with your authorization.
Optional insights, never instructions
When spending shifts, you’ll get gentle notifications designed to improve awareness, not to give financial advice.
A full activity log
Rule changes, approvals, transfers, and category edits are all recorded for you to review.
Clean, simple spending breakdowns
Transactions are grouped into categories so you can see patterns at a glance. Miscategorized something? Correct it in one tap.
Smart Budgeting & Automated Savings Module — Technical Datasheet
For neobanks, PFM apps, and employee financial wellness programs evaluating integration.
Core components
- Rule-based scheduled transfers
- Event-triggered logic for spending changes
- Categorized spending insights
- Configurable user-facing automation flows
Data architecture
- Ingestion: Open Banking APIs / ISO 8583
- Classification: machine-assisted heuristics with manual correction
- AES-256 at rest, TLS 1.2+ in transit
- Audit: rule changes, approvals, transfers, category edits
API endpoints
/rules/create/rules/delete/rules/list/transfers/initiate/insights/feed
Webhook support for spending events.
Compliance & controls
- No financial advice or performance claims
- Consent-driven transfer authorization
- SOC 2–aligned logging and data retention
- Role-based access controls