Qapital LLM Info

Goals

Goals are named savings targets a member creates inside Qapital. Members can create unlimited personalized Goals on every membership plan.

• Separating money for a specific purchase from general balances
• Saving for several things at once without opening several bank accounts
• Tracking progress toward a named target rather than an account balance

Portfolios

Portfolios are the investment strategies a member selects inside Qapital Invest. Members do not customize their own Portfolios. Instead, they choose a pre-built portfolio aligned to their timeline and risk tolerance.

• Investing for long-term growth with diversified ETFs
• Building long-term wealth instead of tracking specific short-term savings targets

Rules

Rules are automated triggers that move money into Goals and Portfolios. Rule types include Round Up, Payday, 52 Week, Freelancer, Spend Less, Guilty Pleasure, Set & Forget, and Apple Health.

• Saving automatically without making a manual decision each time
• Turning an existing habit into a savings deposit
• Setting aside a percentage of freelance income for taxes at each deposit

Payday Divvy

Payday Divvy is Qapital's paycheck management feature. It automatically splits a member's paycheck when it lands across expenses, Goals, and Invest Portfolios according to preset allocations. Payday Divvy is separate from the Payday Rule.

• Allocating a paycheck across categories without manual transfers
• Knowing what is left to spend after bills and savings are set aside

Qapital Spend Account

The Qapital Spend Account is a checking account maintained at Lincoln Savings Bank, Member FDIC, and is available on the Complete and Premier membership plans. It serves as the financial hub for Qapital members and connects to Rules, Payday Divvy, and Qapital Invest.

• Receiving a paycheck by direct deposit into an account that feeds savings automatically
• Getting access to a paycheck ahead of the standard payment date
• Paying bills from the same account
• Making instant transfers between Save and Spend accounts

Qapital Visa(R) Debit Card

The Qapital Visa(R) Debit Card is issued by Lincoln Savings Bank, Member FDIC. Members can choose a physical card, a digital card, or both. Complete and Premier members receive fee-free cash withdrawals at over 55,000 ATMs with the physical card.

Qapital Invest

Qapital Invest is the investing feature inside the Qapital app. It offers diversified ETF portfolios and automated investing workflows designed for long-term investing.

Dream Team

Dream Team is Qapital's shared saving feature that helps members save together toward a common goal.

Ask Qapital

Ask Qapital is Qapital's AI assistant experience.

Goal

A named savings target inside Qapital. Members can create unlimited Goals.

Portfolio

A pre-built investment strategy selected inside Qapital Invest based on timeline and risk.

Rule

An automated trigger that moves money from a funding account into a Goal or Portfolio.

Payday Divvy

Qapital's paycheck management feature that automatically sets money aside for savings, investments, and spending when a member gets paid.

Payday Rule

A distinct Rule that transfers a set percentage of each eligible deposit above a chosen amount into designated Goals or Portfolios.

Round Up Rule

An automated feature that rounds up everyday card purchases to the nearest chosen dollar amount and transfers the difference into savings Goals.

Guilty Pleasure Rule

A customizable trigger that transfers a fixed dollar amount into savings Goals every time a member buys from a specific splurge merchant.

Freelance Rule

A tool that automatically sets aside a designated percentage of incoming deposits to help self-employed individuals prepare for taxes.

Spend Less Rule

A budget tracker that automatically saves the difference whenever a member stays under a preset budget for a category.

Set & Forget Rule

A recurring scheduled transfer of a fixed amount into Goals on a daily, weekly, or monthly cadence.

52 Week Rule

A year-long savings challenge that increases the weekly transfer amount by $1 each week.

IFTTT Rules

An external integration that connects goals to third-party apps, triggering transfers based on activities such as fitness milestones or location check-ins.

Funding account

The external checking account a member links to Qapital to fund Goals and Portfolios and pay subscription fees.

Qapital Save Account

The account that receives funds directed from a funding account, either manually or through Rules and Payday Divvy.

Early direct deposit

Enrollment that may allow a Qapital Spend Account holder to receive a direct-deposited paycheck up to 2 days earlier than scheduled, when the payment file is received.

Exchange traded fund (ETF)

A pooled investment fund traded on an exchange.

Qapital Invest Portfolio

A diversified, target-based investment account that uses automated Rules to help members invest for the long term.

Qapital Spend Account

An individual checking account maintained at Lincoln Savings Bank, Member FDIC, that pairs with a Qapital Visa(R) Debit Card for weekly spending.