Titan Smart Cash

Titan Smart Cash

Move your cash to better rates, automatically

1.0•1 review•

94 followers

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Smart Cash scans rates across cash equivalents on Titan and factors in your individual tax details. It then calculates the highest after-tax rate for you. When a better option is found, it automatically moves your money. Leave chasing better rates behind! [Note: while Smart Cash strives for tax optimization, after-tax yields are estimates, and actual outcomes may vary. View full risks & disclosures at titan.com/smart-cash-disclosures.]
Titan Smart Cash gallery image
Titan Smart Cash gallery image
Titan Smart Cash gallery image
Titan Smart Cash gallery image
Free
Launch tags:
Android•Fintech•Investing
Launch Team

What do you think? …

Clayton Gardner
Maker
📌
Hey PH! I'm pumped to launch Smart Cash. It's a solution to a painful problem I personally felt: having to constantly monitor and chase interest rates on cash products like savings accounts to try to ensure I'm always earning the most on my hard-earned money. Smart Cash automatically moves your cash to our highest after-tax rate product so you can leave chasing better rates behind. Our tech scans rates across cash equivalents on Titan and factors in your individual tax details. It then calculates the highest rate not only before, but after, taxes. When a better option is found, it automatically moves your money to that better option. You can read more about my journey through what I call my "APY hell" here: https://bit.ly/clays-apy-hell. It's what inspired me and the Titan team to build this product -- which I personally think is a no-brainer for my excess cash. [Quick disclaimer: while Smart Cash strives for tax optimization, after-tax yields are estimates, and actual outcomes may vary. View full risks & disclosures at titan.com/smart-cash-disclosures.]
ILYA GALUSHIN
@cgardn20 Hi Clayton! Great product and amazing design of the website. Are you already working in the EU?
Chris Robinson
@cgardn20 @ilyagalushin Cool product. What was the development of titan like? What sort of problems did you run into?
Clayton Gardner
Maker
@ilyagalushin thanks a ton! We're only available in the US today but hope to expand internationally down the road.
Clayton Gardner
Maker
@ilyagalushin @chris_robinson10 thanks Chris! Gah, I could talk about the development for *ages* but TLDR is, it was an all-company effort of focus and rapid experimentation. Main challenge was taking a really complex subject/product (e.g., explaining the difference between Treasuries and cash sweep products, lots of tax rules & permutations of customer profiles, constantly changing yields which vary by investment amount, etc.) and simplifying it dramatically to abstract the consumer away from any unnecessary / confusing details. We think we did a solid job but lots of fast-follows to come already based on early user feedback!
Andrei Costea
Managing finances is the way to go 💪 Congrats on the launch! ⚡🚀
Clayton Gardner
Maker
@andrei_costea2 thanks Andrei!!
Joseph Ismailyan
I was running into the same issue a couple of weeks ago when choosing a high-yield account. Automating that would be really nice. However I was unable to find the service fee for Smart Cash on your website, is it free for now? Will it always be?
Clayton Gardner
Maker
@joseph_ismailyan we charge no fees for Smart Cash today! The Treasury funds inside Smart Cash charge small expense ratios (e.g., Vanguard at 0.09% today) but those are already factored into the net yields shown on our website / in the app. We can't guaranteed pricing will stay that way forever, but we have no plans to charge for Smart Cash anytime soon. Hope this helps!
Joseph Ismailyan
@cgardn20 Perfect. You also answered my follow-up question in one go. Thanks!