Idea
Jar: Acorns for India, but the only asset is gold
An Indian fintech (Jar / changejar.in) lets users start investing in 45 seconds by offering a single asset - gold - which every Indian family already trusts. Below a certain weight of gold, regulations don't require the usual ID/compliance friction, so users can save immediately.
“And so they're like, we only offer one asset. It's gold. Everybody already believes in it and they want it. The second thing is your first, uh, up to a certain weight of gold, you don't have to do all the financial compliance that you have to do for like stocks or real estate or other like larger investments”
Steal thisCut onboarding friction by offering the one asset users already trust and that dodges heavy compliance.
Idea
Amber: an Acorns-style spare-change app for dollar-cost averaging into Bitcoin
Svetski's app Amber lets users link a bank account and automatically dollar-cost average into Bitcoin — rounding up spare change or doing recurring buys from as little as $5 a day — and stores it in cold storage. It's the fiat round-up app model applied to Bitcoin for people who want exposure without the work.
“So what Amber does, it helps you dollar cost average into Bitcoin by, you know, you download it You link your bank account and you forget about it. And you've got options whether you want to just do spare change or whether you just want to do a recurring sort of buy. But it effectively just purchases an amount of Bitcoin, you know, from as little as $5 a day, whatever it is, and it stores it for you in cold storage.”
Steal thisTake a proven consumer-finance mechanic (round-up investing) and apply it to a new, hard-to-access asset class.