Soon’s “Micro-divesting” a Unique Fintech Feature I often hear from companies claiming to be doing something unique but it is rarely true. Soon, the lifestyle fintech app, actually is doing something different. Soon helps people build wealth through a combination of micro-investing, which many services do, but also micro-divesting, which only they do. Using a patent-pending Cash Flow Algorithm, the Soon Smart Debit Account uses a person’s existing cash flow to theoretically deliver gains every time the user spends money, with those savings applied to their financial goals. When someone signs up for Soon’s Smart Debit Account they establish a portfolio guided by their level of risk tolerance. Their funds are invested in a combination of precious metals, stocks and cryptocurrencies. Every time they buy something, a sliver of the best performing asset class is sold to pay the bill, with any remaining profit from the sale available for the next purchase or put aside for a financial goal.