The key here is that the app automates the movement of the funds. The app is the UX that: - Solves a pointed customer problem (ex: getting best yield, moving m

The key here is that the app automates the movement of the funds. The app is the UX that: - Solves a pointed customer problem (ex: getting best yield, moving money at right time of month, etc...) - Removes the friction of moving accounts which turns an insured valid account into a commodity that is evaluated purely on the yield offered at that time.