The Bitcoin Network is sometimes criticized for being slow because it takes about 10 minutes to mine a block of transactions.

However, bank transfers use the ACH Network, which is even slower and more expensive. Worse, transactions fail often enough that financial software needs to account for delays and uncertainty.

This can become problematic when you use both bitcoin and cash regularly. You may want to convert as much cash to bitcoin as your budget allows, but then need to convert back to dollars to pay bills or take care of an unexpected expense.

Smart Transfer™ batches your cash deposits by forecasting your balances and ensuring your scheduled conversions between bitcoin and cash happen reliably and on time.

It works by looking ahead and predicting how much cash you will need to fulfill your Saving Habits and Round Ups. It then schedules ACH transfers ahead of time to prevent problems from arising.

Here's an example: Let's say you have a daily Saving Habit. In this scenario, Smart Transfer™ will pull enough fiat for the entire week from your bank account, and daily dollar-to-bitcoin conversions will be fulfilled without daily transfers from your bank.

As a side benefit, your bank statements will be less cluttered with numerous small ACH transfers.

Life may be unpredictable, but we do what we can to keep your financial life running on schedule.

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