[ChicagoBoy11]

It seems you are reducing the friction in using a more sophisticated investment vehicle, which is awesome. But I can only imagine that there will be far more friction with "where did my money go?" since there is quite a bit of history/custom that you are fighting with in terms of the checking account. Somehow gracefully setting up a slider-like ability to determine what amount REALLY NEEDS TO BE IN MY ACCOUNT OR ELSE I CANT MAKE RENT and everything else would probably be important; your wonderful value-add could be in the background doing all the necessary operations to match that user preference.

As it stands now, I need to consciously pick a fund, make a transfer, check it, withdraw, etc... But ultimately all I care about is broad definitions of how aggressive my portfolio looks and what I have in what is essentially cash. If you'd just modify all of those transactions into a simple slider for me, the value prop. would be super clear, and I'd also sleep well at night not fretting suddenly having less money than I need.