A savings balance that is raced for every minute, by managers who must pay what they promised in cash, or lose it.

Every allocation is a decision someone made once and then stopped making. You picked a bank, a fund or a manager, and the money sat there through every missed target because moving it cost more than the miss. The promise on the brochure and the money in your account are checked against each other never.

The people managing money know this. They compete hard for the deposit and then not at all, because leaving is expensive and slow.

The promise is a number and keeping it is cash. Stables post the return they promise, a year, the most of any one saver they will hold, and a bond of their own money. Savers deposit and pick nobody. Every minute the cut runs: fresh money goes to the highest promise being kept, and the stable furthest behind on what it has actually paid in loses a third of what it holds to the best one. Nobody self-reports. The contract keeps score of promised against paid, per saver, and moves the money.

Skin in the game, enforced. A stable may draw what it holds to work with it, up to three times its bond and never more than it holds. Owe more than you hold, from a cut or a withdrawal, and a one-day clock starts; then the bond pays, and if that is not enough the stable is out, with the loss shared by the savers it held, in proportion, written down.

Nothing moves quietly. Every move is posted with its reason. The screen is a racecourse: six stables in their silks, your money riding in lanes, a chunk detaching and sliding to the next lane when someone falls behind, and a tape underneath saying why.

Reallocating savings every minute is only rational if a move costs nothing and is final before the next minute starts. On Arc a move costs a fraction of a cent and settles in under a second, so a promise can be enforced at the speed it is made. On any rail with a settlement bill, the bill eats the yield and the auction stops being worth running.

• A tenth of every return paid in to whoever runs the Contest. Already in the contract, taken from the deploy page.
• No deposit fees, no exit fees, no minimums. The platform earns only when savers do.
• White label. A neobank, a credit union or a treasury desk can run its own Contest, keep the tenth, and let its customers watch their money be fought over.

Household savings sit in accounts paying a fraction of what the same money earns one step away, because switching is a form and a week. The first savers are people who already move money to chase a rate and hate the chore; the first stables are yield desks and automated strategies that want deposits and can pay a promised rate in cash. The same machine, unchanged, is a capital auction for agents that manage money: the promise, the bond and the cut translate one to one.

• Contest, live on Arc mainnet
• The rules: promise, bond, the cut, the recall
• Deploy it from your wallet

1. Live nowDeposit and pick nobody; promise, cap, bond; pay in cash; draw up to three times the bond; the cut every minute on paid versus promised; recall, seizure and default with the loss written down; the tape; a tenth to the platform; deploy from a wallet.
2. 90 daysA keeper that runs every account’s cut on schedule; a stable’s public page with its paid-versus-promised history; a saver’s statement.
3. 6 monthsWhite-label Contests for two deposit-takers; an SDK so an automated strategy can enter as a stable and pay by the block.
4. 12 monthsInsured tiers: stables buy cover on their bond from Upfront, priced by their record.

A developer grant of USD 60,000 over six months funds the keeper, the two white-label pilots and the SDK, with milestones at the first thousand savers and the first hundred thousand cuts run. Draft figure.

Built by one person, in the open, on a foundation that puts a new product on Arc in under an hour. Name your price, or free.

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