# SpareCash Platform Documentation

## Introduction

### What is SpareCash?

SpareCash is a non-custodial financial automation platform that enables users to automatically invest spare change from everyday purchases into cryptocurrency portfolios. The platform connects bank accounts via Plaid to monitor transactions, calculates round-up amounts, and executes investments when user-defined thresholds are met.

### The Problem It Solves

Traditional investment platforms require manual intervention for each transaction. Users must remember to invest, calculate amounts, and execute trades themselves. SpareCash automates this process by:

* Monitoring bank transactions in real-time
* Calculating round-up amounts automatically
* Accumulating savings until a threshold is reached
* Executing investments according to user-defined portfolio allocations
* Operating entirely within a non-custodial architecture where users maintain control of their funds

### High-Level Automation Model

{% stepper %}
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### Event Detection

Bank transactions are detected via Plaid webhooks and API polling.
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### Rule Evaluation

Each transaction is evaluated against user-defined rules (round-up calculation, exclusion categories, multipliers).
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### Accumulation

Round-up amounts are accumulated in a ledger until a threshold is met.
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### Execution Trigger

When the threshold is reached, the system triggers an investment execution.
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### Settlement

Investments are executed via third-party providers, with all transactions signed by the user's wallet.
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The entire flow is deterministic and auditable. Users maintain full control over their funds at all times.

***

{% hint style="info" %} <sup><sub>**© 2026 SpareCash, Inc. All rights reserved.**<sub></sup>\ <sup><sub>SpareCash, Inc. is a Delaware C-Corporation. This documentation is proprietary and provided for informational purposes only<sub></sup>
{% endhint %}


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