1. LiveGrow Premium — $14/month. Unlocks:
Target conversion: 12% of MAU within 90 days (benchmarked against Copilot/Monarch).
2. Affiliate revenue — the real engine. Every smart-move card that opens an account is monetized:
A user who funds a Roth, opens a HYSA, and refis a student loan in their first 6 months = $300–450 LTV from affiliate alone, on top of $168/yr Premium.
3. B2B2C — employer wellness benefit. Bundle WALLET into LiveGrow's existing wellness platform sold to mid-market HR teams. $3–5/employee/month. Already a distribution channel.
1. The badge. Hit $1k saved → confetti + shareable card "I saved $1,034 this month with one tap a day." Designed to fit Instagram Stories aspect ratio. No referral code shown — it's pure pride bait. Estimated 18% of milestone-hitters share.
2. Couples loop. When one partner shares the badge, the other often installs to "play together." Family sharing is the upsell.
3. Specificity stories. Users naturally tell friends "WALLET told me to cancel Adobe Stock" — concrete anecdotes spread better than generic recs.
Regulatory — the big one. WALLET must be a coach, not an advisor. Strict rules:
Trust failure mode. If a card is wrong (says "you didn't use Adobe" but user did), trust collapses fast. Confidence threshold required before surfacing any "unused subscription" card. Better to under-suggest than mis-suggest.
Compliance counsel reviews every card template before ship.