Problem: Users do not understand how their available cash has changed over time.

Solution: Show users a Big number chart that shows how their available cash has changed over time.

Stretch Feature: Charts will have some interface for either integrating them together or easily swapping between data representations.

Problem: Users do not know the total amount of cash they have access to at any given point in time.

Solution: Show users a Big number that aggregates all of the withdraw-able cash available to them from all of their accounts.

Stretch Feature: Big Number minus liabilities with monthly commitments aggregated into a Little Number.

Problem: Users cannot recover data that is stored on device if device is lost, stolen, damaged beyond use, or if they simply delete the app.

Solution: Users can encrypt thier data and store it on our servers.

Stretch Feature: Analyze encrypted user data using homomorphic encryption to provide anonymouse public features.

Problem: Users do not know what what their income percentile is and cannot calculate it in a private setting. They also do not know what the average is geographically.

Solution: Provide users with a calculator that uses local data to tell them what income percentile they are and that of specific zip codes.

Stretch Feature: User can also see a scrollable chart going back in time showing how their percentile has changed.

Problem: Users do not have a private and gamified method of understanding their financial level and how to get to a higher one.

Solution: Provide users with a gamified Levels and Achievements systems that rewards them for taking actions to improve their financial health.

Stretch Feature: Users can add achievements to their public profile.

Problem: Users do not want us to sell their data in order to deliver our services and do not trust that we are not selling their data if we store their data.

Solution: Process as much user data locally on device and store as little data on our servers as possible. When we store data, store it anonymously

Stretch Feature: Open source backend services so that users can have assurance that we don’t look at their data beyond the items they want to make public (Big Number Ranking or possibly allowing them to make specific pieces of data like transactions or historical Big Number available).

Problem: Users don't know when they are most succeptible to influence regaurding their finances

Solution: Utilize localized user data to build a customized AI that influences user behavior

Stretch Feature: Allow users to give their personalized AI limited control over money moevment on their behalf

Problem: Users can not create private groups to share ranking data with (Big Number and that number’s rank within a subset of users that opt into a group).

Solution: Allow users to authorize us to share their ranking data in a private group.

Stretch Feature: Professional financial planners, accountants and other finance professionals can create groups with clients to help them deliver services.

Problem: Users do not know how their accumulated cash on hand compares to other peoples cash on hand at any given point in time and they do not want to share their information publicly in order to find out.

Solution: Show users their ranking vis-a-vis other players compared cash on hand in a private fashion.

Stretch Feature: Real Time updates.

Problem: Users are not able to share their financial status with other people in a verifiable fashion that also protects their specific financial data.

Solution: Allow users to authorize us to share their public ranking data (Big Number and Public Rank).

Stretch Feature: Robust public profiles with historical ranking data and verified large purchases.

Problem: Users do not have a centralized place to see all of their transaction level data and related transactions.

Solution: Provide users with an interface to navigate and view transaction level data.

Stretch Feature: Users see transactions stats like “largest transaction”, “Most Repeated Transaction”, “Average transaction Amount” etc.