Banks quietly reserve their best rates for new money. Stay loyal and you get the worst of it. AutoSvr is an agent that checks the market every day and keeps your deposit at whichever FDIC-insured partner bank is paying the most.
How it works. Nimble runs a headless crawl of three rate sources (depositaccounts.com, bankrate.com, nerdwallet.com), waiting for each rate table to actually render before capturing the HTML. A Liquid AI LFM, called through OpenRouter, reads that markup and returns structured rate rows — so there are no brittle per-site scrapers to maintain. The sweep engine then applies four rules: the bank must carry FDIC or NCUA insurance, a new rate must beat the current one by at least 25 basis points, transfers initiate only on banking days, and interest books exactly once per calendar day. Everything lands in RawTree/ClickHouse as rate_observations, sweep_events and daily_accruals, and a SQL read layer compounds a blended APY at one row per day.
Why 25 basis points. A transfer costs one to three days of interest in settlement, so chasing every basis point loses money. When AutoSvr holds, it says why: the demo account sits at 4.44% with 4.62% available — an 18bp gap that does not clear the threshold.
What you see. A live balance, every bank that has held your deposit with its FDIC certificate number and the rate it paid each day, statements, and withdrawal with no lockup and no fee.
