Smart-Save

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Our Smart-Save Process is another key component of the four new revenue sources we promised. The Smart-Save process extracts up to the system’s default. Using these dollars, the Smart-Save process will directly increase the amount of your monthly loan payments while simultaneously boosting your Smart Money Account balance. Executed securely, without risk or loss to you. This is not Stocks/Bonds, nor Crypto, nor any other gambling known to humankind.

We Analyze It

Our Smart-Save process analyzes 180 days of your banking transactions using the Linked Bank Account(s) you choose to give Bill Pay Virtuoso access to. We securely link these accounts through our processing partners Plaid.com and Stripe, allowing you to connect up to three different banks. Rest assured, we do not store or have access to your personal banking credentials. We only use the Linked Bank Account(s) in accordance with the Terms published on this site, and are accessible through the Bill Pay Virtuoso app.

Categorize It!

Once the banking transaction data has been separated by category, Income, non-discretionary, and Discretionary transaction types, Bill Pay Virtuoso then attempts to extract $1.80/day or $13/week. Only using the dollars determined to be discretionary. We can then answer the final question: how much can be extracted without impacting your regular spending? The maximum amount Bill Pay Virtuoso is capped at $13; however, you have control over the results.

Extract It!

Once the banking transaction data has been separated by category, Income, non-discretionary, and Discretionary transaction types, Bill Pay Virtuoso then attempts to extract $1.80/day or $13/week. Only using the dollars determined to be discretionary. We can then answer the final question: how much can be extracted without impacting your regular spending? The maximum amount Bill Pay Virtuoso is capped at $13; however, you have control over the results.

Split It!

Bill Pay Virtuoso securely transfers funds using Plaid and Stripe. Please see their individual privacy statements. Our Split Routine, which divides the $13 between your current loan payment and Smart Money Account, uses settings you select in your Split Master. By default, Bill Pay Virtuoso sets your Operation Mode [which controls the way funds are managed within the platform] to “Default” for all services you subscribe to. You can change this setting within each subscribed service. Your Smart Money Account un-committed balance, meaning funds not yet assigned to any short-term Pool, serves as input to our Financial Instrument Process. The Financial Instrument Process (FIP) is the third source of new revenue!

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