Goal-based savings
Customers set a goal, such as a trip or a deposit on a home, and contribute to it on a schedule.
Savings
Where your customers keep their money, and come back every day.
Savings accounts, goal-based savings and yield on balances, under your brand, with interest calculated and paid automatically and balances updated in real time. A customer with money in your app comes back daily, and those balances are what you lend from.
Why savings matter to your business
01
Customers come back every day.
When their money lives in your app, they open it daily, not once a month.
02
Deposits grow your balance.
Every account and every goal adds to the money you hold.
03
Balances fund your lending.
The money customers save is the base for the credit you offer and the income it earns.
Four ways to help customers save
Savings accounts
An account where customers keep their money, see their balance live and move it whenever they need to.
Yield on balances
Money that sits in the account earns interest, calculated and paid automatically.
Severance savings COLOMBIA
The savings accounts Colombian employers pay severance into, run on the same platform.
What runs behind every account
BALANCE · ACCOUNT 3302
$4,250,000+ interest
Money comes in
Deposits and transfers from the app or from other banks.
The balance updates
Every movement shows in the customer's balance as it happens.
Interest is paid
Calculated on the rates you set and paid automatically.
Money goes out
Transfers to other people and other banks, and payments, from the app.
Everything is recorded
Each movement lands in the books and in your team's savings area of the back office.
10:44Transfer out · Banco Andino−$509,740
10:43Interest paid+$9,740
10:42Transfer in · Julián M.+$500,000
Your team sets the rates and how interest is calculated and paid, in the back office, with a second person's approval.
See the back officeHelp customers save more, without lifting a finger
Goals that fit
AI suggests a savings goal and a monthly amount based on each customer's income and spending.
Idle money put to work
When money sits unused, AI suggests moving it into a product that earns interest.
The customer always decides. AI services are switched on per client and billed by use.
See AI for financial servicesFrom deposits to lending, on one platform
Savings and loans run on the same core, so the money customers save and the loans you offer sit side by side.
One view of both
See deposits and the loan book together, live.
Offers to customers you know
Savers can receive pre-approved loan offers based on how they actually use their money.
The same books
Every deposit, interest payment and loan lands in the same accounting.
Questions about savings
Taking deposits usually requires a license. If you don't have one, a licensed partner bank from our network can hold the deposits for your customers. For retailers & platforms
You do, in the back office, with a second person's approval.
Yes. Transfers in and out work from the app.
Yes. Every movement shows as it happens.
Yes; it's a Colombian product. The other savings products work in every market.
Yes. Add loans or payments when it makes sense.
Show us how your customers save
In one session we'll set up a savings product like yours and show it from your customer's side and your team's side.