This is cool! I wonder what the math on payments looks like for this, my immediate fear is that it's contribution is so small as to almost be not worth the signup. Perhaps put a little simple math showing how this would affect a loan?

By comparison, i've been using Simple to force myself to feel "broke" constantly. I move the majority of my money out of "Safe to Spend" via large goals which daily suck money away. I tend to only have a couple hundred in my "Safe to Spend" pile, and even that is tiny because each day it has to clear the Goal withdraw. If anything, it's mildly stress inducing, but it is apparently very effective mentally for me.

Now, i know the two are very different (both in concept and quantity of money), i mainly make the comparison because the mass saving method i mentioned above is clear on how it will affect my loans/etc. I have no idea how Qoins would affect my loans/etc.

Perhaps i'm a bad audience for this, i don't often make purchases, and therefor i don't often have change floating around. Some rough math for last month means i would be saving somewhere in the range of $5, and for the sake of discussion, $60/y. It would likely be more impressive if i spent a lot, "wasted" a lot of money, bought a lot of coffees/etc. In theory, the worse a person is at saving, the more they would save with Qoins. Perhaps that should be advertised in the video?

Anyway, a lot of rambling that are vaguely resembling thoughts (i blame 4am, bad sleep and only half a cup of morning coffee), hope something meaningful can be taken from it. Congrats on the launch!