New feature designe

Feedback & Ideas Features
1

Hi team

I’m Harsh, a product designer, and I recently worked on a concept called Ready Fund — an emergency fund experience designed for payments/neobanking apps.

The idea came from a personal pain point: I needed money for a small emergency, but my savings were locked in a recurring deposit. The problem wasn’t a lack of money — it was access. That led me to explore a simple question:

How might a product like Jupiter help users build an accessible emergency reserve, not just long-term savings?

The concept includes:
• Auto-Add to build reserves passively
• Instant add/withdraw with no lock-ins
• A Safety Limit that helps users stay prepared

I thought Jupiter’s product philosophy made it a particularly relevant place for this idea, and I’d love to share the case study for feedback if you’d be open to it.

Best,
Harsh Tiwari

2

Where will it be stored

  1. FD with auto break
  2. Liquid funds
  3. Some apps have do this feature where we can store it in liquid funds
3

The key trade-off I found was between returns vs instant accessibility.

• FD auto-break still carries mental friction and penalties
• Liquid funds improve returns but aren’t always truly instant and add investment complexity

For Ready Fund, I’ve intentionally prioritized instant access over returns, by defaulting to a wallet/savings balance layer — because in emergency situations, speed and certainty matter more than yield.

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4

So where will the funds be stored, wallet or savings bank