How it works
Every stage between a bank publishing a rate and your balance changing.
Crawl · Nimble · liveParse · Liquid LFM via OpenRouterLedger · RawTree · ClickHouse
These reflect what this deployment can reach right now, not what the diagram intends. A stage without its credential falls back to a deterministic 90-day history, so the pages below never show an empty state — but they also would not be telling you anything real, which is why the badge says so.
The data map
Runs once a day at 14:00 UTC, and on demand.
What the ledger holds
| Record | What it is | Count |
|---|---|---|
| Rate observations — crawled | Rates read off a real bank page today | 26 |
| Rate observations — seeded | The deterministic history the demo starts from | 728 |
| Transfers | Every time your deposit moved bank | 8 |
| Days booked | One interest accrual per day since opening | 89 |
Most recent crawled rate: 2026-09-25 22:18 UTC.
The rules your money follows
Insured, or it does not qualify
A bank is eligible only if its listing carries FDIC or NCUA insurance. Rate is irrelevant without it.
A better rate must beat yours by 25 basis points
A transfer costs one to three days of interest in settlement. Moving for less loses money. Right now you hold 4.44% and the best we see is 4.62%.
Transfers only on banking days
ACH cannot be initiated on a weekend or a federal holiday, so a move decided then waits for the next open day.
One accrual per day, ever
Interest is booked once per calendar day. Running the job twice cannot book it twice.