I love that you explicitly call out how you make money and that it is not a percentage of deposits. Being up-front about that is refreshing.

Suggestion: a large portion of folks looking to use this app would like to do so to achieve fitness goals. The simplest possible integration with HealthKit may be closing your exercise rings. It’s general enough to not require integrating with specific vendor APIs, but is still fairly difficult to fake it. It may be a good MVP goal.