Feature Ideas

sequence should develop an app for iOS users

Better visualizations to organize the map for users

Have a backup account in case some account is encountering insufficient funds transaction (and the backup has enough)

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.

I leverage multiple "Sinking Funds" where I contribute per-paycheck into high-yield savings accounts and transfer out to pay for annual renewals of subscriptions, holidays, birthdays and such. I would like to start first by auto-paying annual subscriptions. Ideally, I would like to pick "Annually on April 7th" for example to transfer from a Sinking Fund to a Credit Card/Liability account.

Allowing users to allocate money and convert it to stablecoins/crypto

Showing cumulative balances, cumulative spendings, accounts transactions, etc. *Note - the suggestion is not building a budgeting app, but rather a comprehensive view that is not a map

Creating an AI bot that watches for overspending or tracks spending habits could be a very helpful tool to maintain financial health. Here’s a general outline of how you can develop such a bot: Objective The bot's goal is to track your expenses and alert you if you are approaching or exceeding your budget. Data Inputs Bank Transactions: The bot can be linked to your bank accounts or payment apps (like PayPal or Venmo) to track every transaction. Monthly Budget: Set a monthly budget for different categories (e.g., groceries, entertainment, bills). Savings Goals: You can define specific savings goals (e.g., saving for a trip, buying a new car). Key Features Expense Tracking: The bot should categorize expenses (e.g., food, entertainment, bills) automatically using machine learning to help you identify where you're spending the most. Alerts & Notifications: Once you approach your spending limit in any category, the bot can send you a notification or message. It can also warn you when you're on track to overspend for the month. Trends Analysis: The bot can give you insights into spending trends, helping you recognize where you might be overspending over time. Custom Alerts: Set custom thresholds for spending on specific categories. For example, if you spend more than $100 on dining out in a week, it will alert you. Recommendations: The bot could suggest ways to cut back or alternative options (e.g., cheaper dining choices or discount shopping). Implementation Process API Integrations: Utilize APIs to access bank account or credit card information, and possibly financial management tools like Mint or YNAB (You Need a Budget). AI for Categorization: Use machine learning algorithms for categorizing transactions and identifying spending patterns. For example, a neural network could be trained on labeled transaction data to predict what category an expense falls into. Dashboard: Create a dashboard where users can view their spending summary, set budgets, and track progress toward savings goals. This could be a web or mobile app. Natural Language Processing (NLP): If you want to make it conversational, you can add an AI assistant that allows users to ask questions about their spending in natural language (e.g., "How much have I spent on groceries this month?"). Technology Stack Backend: Python with libraries like Flask or Django for building the web application. Machine Learning: TensorFlow or PyTorch for creating models to predict and categorize expenses. Frontend: React or Vue.js for building the user interface. Databases: Use a relational database like PostgreSQL or MySQL to store transaction data. APIs: Utilize Plaid, Yodlee, or open banking APIs to retrieve transaction data from users’ financial accounts. Cloud: AWS or Google Cloud for hosting the application and ensuring secure data storage. Example Bot Workflow Step 1: User connects their bank account to the bot via API. Step 2: The bot automatically imports recent transactions and categorizes them. Step 3: The user sets a monthly budget for each category (groceries, entertainment, etc.). Step 4: The bot continually tracks expenses and compares them to the set budget. Step 5: If a user approaches or exceeds the set budget in any category, the bot sends a notification (text, email, or app push). Step 6: The bot offers suggestions to help reduce spending, like finding deals or offering cheaper alternatives. Privacy Considerations Ensure secure data encryption for bank account information. Follow best practices for storing sensitive financial data. Make it transparent about how user data is being used and give users control over their information. Would you like to explore how to build this more specifically or dive deeper into any of these steps?

"Like Simple (RIP) used to do, I want to only have one physical card, choose before I swipe it (or after) from which Sequence account I want it to be charged. This way I only need one card and not remember the final 4 digits of many cards"

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

Query balances/transactionsAllow triggering per account and not only ruleAny other suggestion that comes to mind

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.

Set a number on pods and a progress bar towards it, that can serve both as a budget and as a goal

Would love to be proactively notified of outages that could impact flow of funds (cause to miss due dates, etc.). Some well-known examples: https://www.githubstatus.com/ https://status.proton.me/ https://status.stripe.com/ Key features I would love to see: Current system/component/service status Planned maintenance, current incidents Subscribe to notifications (RSS feed/Slack feed/other notification)

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.