SwitchSweep

SwitchSweep is a mobile + web app that watches your recurring bills and subscriptions, then routes each payment through the bank account that minimizes fees and maximizes rewards/interest—without you thinking about it. Users connect multiple bank accounts and cards, set rules (keep rent from Account A, groceries from Card B), and let the app recommend or execute switches before each due date. It flags “silent” bank fees (maintenance, overdraft risk, ACH fees) and suggests safer alternatives like moving a bill to an account with a bigger buffer. It also detects duplicate subscriptions and negotiable price hikes, prompting one-tap cancellation or downgrade. This is a combination traditional + AI app: traditional rails for payments and account linking, AI for classification, forecasting cashflow, and recommending the best routing. Realistically, the hardest part is trust, compliance, and getting users to connect accounts.