Feature Ideas

Would love to have debit card customization. Custom text, images, colors, etc. would all be a helpful and fun way to manage multiple debit cards connected to pods. Perhaps even premium options like metal cards.

This is a fairly common feature I've seen with banks. The feature will let the user define an amount and date for a one-time transfer days or months in advance. For additional functionality, could be based on a conditional, automatically check if funds are available, or pull from a backup account if funds are low.

Merchant-locking ensures that the only authorized party to charge a specific debit card is the first transaction's merchant on a newly created card. This is a standard feature on Privacy.com - https://support.privacy.com/hc/en-us/articles/360012402893-What-s-the-difference-between-a-Merchant-Locked-Card-a-Category-Locked-Card-and-a-Single-Use-Card I am considering using Privacy.com for the advanced security features, would love to see this on Sequence Virtual Debit Cards.

Currently, Manual Liabilities only work if the service is integrated with PLAID. Affirm does not have any PLAID integrations. What i am currently thinking would be useful would be to add the ability create a "Manual-Manual" Liability that has the "Minimum Payment" and "Balance" Information that can be Edited manually. This way we can still add the item Into the debt snowball workflow.

Current State Target Balance is primarily a visual feature today. While it helps users see an intended balance, it doesn’t drive functionality. This limits its practical value. Proposed Enhancement Enable rules to: Top Up [PodName] to [PodName’s Target Balance] Value to the User This makes each Pod the source of truth for its role in a user’s money flow, and self-documenting at the same time. For example, I use Pods for recurring bills. Sometimes the bill changes, or I adjust how much I want to keep in that Pod. Right now, I include the monthly amount in the Pod’s title for quick reference, but I still have to open the rule and update its hard-coded value whenever something changes. If rules could reference the Pod’s Target Balance directly, the Pod definition would stay clean, accurate, and consistent—without manual upkeep. Extra Mile Enhancement Add an option to: Limit transfer to % of [Target Balance] Why This Matters Many recurring bills are split across two paychecks per month. Being able to top up to, say, 50% of Target Balance per paycheck is a natural use case. This approach would also support long-term savings goals where the Target Balance may change over time. By using percentages, users could spread contributions evenly over a time horizon without needing to re-tune rules.

It would be extremely beneificial to be able to have the option in an External Destination to mail a physical check rather than ACH. I would like to be able to specify the Payee, mailing address, and account number (optional) and a memo (optional). The check amount would be equal to the transfer rule. You can also implement this into Liabilities for those that don't accept ACH transfers. Not all Payees can accept ACH transfers, and this would be an excellent catch all for liabilities/external destinations. Obviously nothing beats free, but I would be willing to pay a small amount for each check that was mailed as well.

Currently, we only have the ability to have 1 limit per rule. I have found some use cases where having at least 1 additional limit could be helpful. For instance, I want to add month to an account, but I only want to put in 10 dollars per transfer/week and no more than 40 dollars per month. In my real world example, I want to top up an account to 1000 but only want to transfer 250 per week, and no more than 1000 per year. This account is a HOLDING account that I am putting money into and when it reaches 1000 it will send all of the funds into an External HYSA. After it transfers everything into the HYSA I do not want to transfer any money into the POD again. Currently, the "year" option is the farthest out that I can limit.

Add ability to time delay incoming funds from port -> pod transfer rule. Ability to delay by hours is ideal to allow for clawback of test transfers (bank validations) and fees (credit card processors/etc.). Most clawbacks happen within the hour of funds depositing but some happen within the day or next business day.

sequence should develop an app for iOS users

Better visualizations to organize the map for users

Notify me if an upcoming rule is about to be failed due to insufficient funds so I can take care of it and not be charged late fees or interest

It would be helpful to know all of the money across all Pods and IS at the top of the money map on Mobile view and Desktop view.

Allow users to run a full set up and a time lapse simulation for their rules before actually transferring money to increase the confidence in activating a set up in Sequence