Unified
Financial System
One lifelong financial identity for banking, retirement continuity, and the financial infrastructure that follows you across every employer — for life.
- FDIC-eligible
- Through partner bank
- Provider-agnostic
- Built to last
- Continuity
- Lifelong
Daily banking. Built for the long arc.
Banking is where your financial identity begins. Open a Scythe account in minutes — and connect payroll, transfers, and card spend to the same lifelong ledger that holds your retirement.
- Unified cashChecking, savings, and external accounts in one ledger.
- Direct depositRoute payroll straight to Scythe and earn from day one.
- ACH transfersFree, same-day movement to and from linked institutions.
- Provider-agnosticFBO-backed deposits. Stripe Treasury today. Unit, Column tomorrow.
Checking, savings, and external accounts
A single ledger across the institutions you already use. Linked accounts flow in automatically.
- Same-day ACH
- Free internal transfers
- Plaid-grade account linking
Route payroll to Scythe
Connect employer payroll once and earn from your first paycheck onward.
- Auto-routing
- Split deposits
- Pre-fill payroll forms
Built behind a vendor seam
Stripe Treasury today. Unit, Treasury Prime, and Column slot in without rewriting the product.
- FBO account structure
- Abstract BankingProvider API
- No SDK leakage
Idle cash should earn.
A Scythe Savings account sits next to your checking and pays a competitive rate from day one. Move money in either direction in a tap — no transfer windows, no minimums, no penalty for accessing your own cash.
Built on an insured cash sweep
Your balance is distributed across a network of FDIC-insured partner banks, capturing market-leading yield while staying fully insured.
- FDIC eligible across the network
- Daily-compounded interest
- Rate posted in the dashboard
One tap from checking
Sweep paychecks automatically, pull funds when bills hit, or set rules — savings and checking are the same product, not two apps.
- Same-day transfers between Scythe accounts
- Optional auto-sweep from direct deposit
- Per-goal sub-accounts (roadmap)
What you see is what you earn
No tiered minimums, no introductory rates that expire, no fees for taking your money out. The rate on the dashboard is the rate you get.
- No monthly fees
- No minimum balance
- Withdraw anytime
Your retirement follows you — not your employer.
The average worker holds twelve jobs. Each one leaves a retirement account behind — with a different login, a different fee schedule, and no one watching it. Scythe Financial reorients retirement around the person: every plan you've ever had can flow into one Scythe Retirement Hub and stay there for life.
Fragmented by default.
Old 401(k)s scattered across former employers, each with its own login, fee schedule, and forgotten balance.
Your retirement is scattered across every employer you've ever had.
Every job change leaves a 401(k) behind. Different providers. Different logins. Different fees you can't see. Most workers never roll them over — and millions in retirement savings sit forgotten.
- $1.65 trillion is sitting in left-behind 401(k) accounts in the U.S.
- The average worker has 12 jobs across their career.
- Each abandoned plan compounds at the old plan's fees, not yours.
Consolidated for life.
One Scythe Retirement Hub absorbs every old plan. Your continuity score climbs as accounts roll in.
Consolidated balance. Continuous identity. Portable for life.
Your retirement follows you across employers — not the other way around.
- Rollover orchestrationStep-by-step guided workflow handles paperwork, distribution forms, and document delivery.
- Retirement consolidationOld 401(k)s, 403(b)s, and IRAs unified into your Scythe Retirement Hub.
- Portable across employersYour retirement identity persists job to job — not your employer's plan.
- Continuity scoreA single signal showing how consolidated your retirement footprint is.
Guided rollover workflow
Pick a former employer. Identify the provider. Sign once. We handle the paperwork.
- Step-by-step UX
- Document checklist
- Live status tracking
Your retirement, unified
Old 401(k)s, 403(b)s, and IRAs unified inside your Scythe Retirement Hub.
- Aggregated balance
- Per-account history
- Tax-aware routing
Persistent across employers
Change jobs without losing your retirement identity. The Hub stays with you.
- Employer-agnostic
- No re-rollovers
- Lifetime continuity
A brokerage account that compounds while you live your life.
Open a Scythe brokerage account in minutes and put money to work automatically. ETFs, fractional shares, and recurring deposits — the boring, evidence-backed mechanics that build real wealth over decades.
Buy what you want, in any size
Fractional shares of any listed US stock or ETF down to the dollar. No commissions, no account minimums, no friction between intent and order.
- Stocks and ETFs
- Fractional down to $1
- Zero commissions
Recurring deposits and auto-invest
Schedule deposits from your Scythe checking and split them across a target allocation — the engine handles the rebalancing math.
- Weekly / biweekly / monthly
- Target allocations
- Auto-rebalance on deposit
Smarter execution at year-end
Tax-lot selection, wash-sale awareness, and a year-end harvesting pass — the tax-planning work most retail brokers leave to you.
- Tax-lot picker
- Wash-sale guardrails
- Annual loss harvesting
Active trading, with a research desk in your pocket.
A separate Space for the people who actually want to trade. Charts, a scanner, options flow, an ML signal, and an LLM that reads the tape with you. Not advice — instrumentation. Activate it when you want it, ignore it when you don't.
Scanner, news, and options flow
Watch unusual volume, options sweeps, and headline drivers across your universe in one feed — not five tabs.
- Custom scanner rules
- Live news with summarization
- Options flow with size + sentiment
ML signal and LLM tape reader
A classifier scores each setup with calibrated probabilities; an LLM narrates the why in plain English. Treat it as a peer, not an oracle.
- Per-ticker probability + features
- kNN historical analogs
- Plain-language tape narrative
Journal and backtester
Every trade logged with the conditions you took it under, so the system can grade you against your own playbook — not vibes.
- Auto-imported entries
- Per-strategy P&L attribution
- Walk-forward backtester
Your lifelong financial home.
Banking that holds your daily life. Retirement that holds your future. One identity that holds them together.