MicrovestApp

Most retail investing products either require large minimums or constant active management. The opportunity was a product that turns passive, everyday behaviour card purchases into small recurring investments, with zero friction for the user.

The platform rounds up daily card purchases and invests the spare change into diversified digital asset portfolios. Bank accounts sync securely for real-time balance accuracy. Progressive KYC onboarding means new users aren't blocked by a compliance wall before their first roundup.

• ▸Spare-change roundups from everyday card purchases
• ▸Secure bank account sync for real-time balance tracking
• ▸BTC and diversified digital-asset purchase flows
• ▸Progressive KYC users complete compliance in stages, not upfront
• ▸Transaction batching for cost-efficient high-volume micro-transactions

Every roundup ends up as a real digital asset in a real wallet, so the custody decision mattered. After evaluating both BitGo and Fireblocks directly going back and forth on deposit/withdrawal flows, wallet architecture, and fee structure we selected BitGo for one critical reason: zero-fee child (segregated) wallets under a single parent wallet. Each user gets their own child wallet to receive funds directly, with everything rolling up cleanly to the parent. At spare-change scale, a per-wallet fee would have made micro-deposits uneconomical to custody.

• ▸Per-user child wallets under a single BitGo parent wallet
• ▸Zero fee on child wallet creation critical at micro-transaction scale
• ▸Deposits received directly into child wallets, rolled up to parent
• ▸Evaluated Fireblocks as alternative BitGo won on wallet architecture flexibility

An AI assistant and insights panel baked into the app that reads live crypto market conditions and surfaces personalised savings guidance. Instead of leaving users to interpret raw charts, it tells them when to lean into a roundup and when to hold in plain language.

• ▸Conversational AI for savings and investment questions
• ▸Always-on insights panel driven by live crypto market data
• ▸Personalised guidance on when to increase or hold roundup contributions