Give them Mint (see everything) → insights find the money → auto-invest like Acorns → crypto yield (10x). Two plays: spending insights + savings insights
Mint dead. Plaid ready. Acorns proved round-ups. No non-trading, non-crypto reason to stay on the platform today. Super-app window is open
4The Gap
Zero non-trading, non-crypto reason to open the app. 14M+ dormant accounts. Revenue drops 38% in bear markets because users have nothing else to do
5The Insight
Spending insights + savings insights are the drawbridge. Show users where money leaks and that 0.40% APY is invisible erosion — then convert to Gold Sweep (3.35% FDIC insured) for savings and Gold Card (3% back) for daily spend
6The Funnel
See spending → Spot waste → Set budgets → Round-ups + sweeps → Yield on every dollar
7Why Robinhood
Only platform with 27M users + crypto + banking rails + Gold Card for the full Mint-to-Acorns pipeline
8Summary
27M accounts, only ~4M trade crypto. No spending insights, no savings tools, no non-trading reason to stay. Give them one — and unlock 10x