Treasury & Embedded Investing · Use case

Run a savings or goal-based product

Scope this use caseTalk to us

Short answer

Savings pots let users set money aside for goals, often with interest. The interest must come from a licensed structure — a partner bank or a fund — which also decides how customers' money is protected.

What this use case is

Savings pots let users set money aside for goals, often with interest. The interest must come from a licensed structure — a partner bank or a fund — which also decides how customers' money is protected.

Who builds this

Neobanks
Wallets
Employee wellbeing apps
Youth banking

What your customer sees

  1. 1Creates a pot for a goal
  2. 2Sets automatic transfers
  3. 3Watches interest accrue
  4. 4Withdraws when ready

How Treasury & Embedded Investing solves it

1

Customer creates a pot

Customer creates a pot

2

Transfers scheduled or rounded up

Transfers scheduled or rounded up

3

Money held with the partner bank or fund

Money held with the partner bank or fund

4

Interest accrues

Interest accrues

5

Withdrawals return money to the main account

Withdrawals return money to the main account

Want to have

  1. Licensed savings structure
  2. Pots and rules
  3. Interest calculation
  4. Withdrawals
  5. Statements

Optional

  1. Round-ups
  2. Notice accounts
  3. Goal tracking

Design decisions

Structure

Partner bank savings
Fund-based

protection versus return.

What to put in your RFP

Structure

  • Structure

Rates

  • Rates

Pots and rules

  • Pots and rules

Withdrawals

  • Withdrawals

Reporting

  • Reporting

Commercials

  • Commercials
Add these to an RFP

How to evaluate providers for this use case

  1. 1Protection
  2. 2Rate mechanics
  3. 3Integration with your main account

Pitfalls

  • Implying deposit protection where none applies
  • Withdrawal delays customers do not expect

What providers will ask you

  1. Customers and balances
  2. Markets
  3. Main account provider

Other Finlane categories that cover parts of this

This use case is solved mainly with Treasury & Embedded Investing. These categories cover specific parts of it and can be tendered alongside it.

Banking-as-a-Service

The main account

Core Banking & Ledger

Pots and sub-ledgers

Frequently asked questions

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Scope run a savings or goal-based product with Treasury & Embedded Investing providers

Scope this use case