Ok so crazy idea here
Follow me steps and see if this isn’t just a crazy idea
. Imagine if Xinja took every day the end of day balance across all transaction and savings accounts
. Then imagine Xinja ranked all interest bearing products top to bottom by APR and balance
. Then imagine if Xinja offset interest from the top down the highest interest bearing products against what was held on deposit
. And only charged the net.
Like your entire position with the bank, gave you the best deal, automatically.
Pretty unbanky. Just a crazy idea for a Tuesday.