I would love the ability to support vaults (see https://www.revolut.com/save-money-with-vaults for further information), for instance, to save money for holidays, travels, assurance, etc.
Sample usage: if I want to save money for an expensive travel, I can store 100$ each month on a dedicated travel vault.
In the following, I will use the following definitions:
- real vaults: vaults supported and implemented by your banking account, like for Revolut or N26, for instance
- virtual vaults: vaults not supported by your bank, but only implemented inside of Money Pro
Vaults can be currently implemented with a dedicated asset. Although this solution may be good for "real vaults", it is not good for "virtual vaults", since in this case you would loose the correlation between the (virtual) vault amount and the real bank account amount.
So, in such case, I propose to add vaults as nested accounts inside of a main account, whose total amount has to include/sum the amounts of each vault.
Also, in this way, it can be even possible to make bank account-to-vault or vault-to-vault transfers, even if different bank accounts are used.
Please also note that real vaults are usually limited in number and only available under subscription (see, for instance N26), while in this case, being virtual vaults implemented only inside of Money Pro, no premium subscription is limited.
Such implementation would allow users to save more money and in a better way.
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