A proposal to banks, credit unions & fintechs
Every bank account ends in a few cents nobody thinks about. DecimalDraw lets customers opt in to pool those decimals into one shared prize, so a single customer can win a life-changing sum while millions go to charity.
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The insight
To one customer, 37 cents means almost nothing. Across ten million accounts it adds up to about $5 million every month. That's money already sitting in the system, unused, waiting for a purpose.
How it works
The customer signs a separate, plain-language agreement, or ticks one box in the app. It's voluntary, and they can leave at any time.
On a fixed schedule, the cents after the dot (for example, the .37 in $1,284.37) move automatically into a dedicated, segregated pool account.
The pool grows in public view. Every participant can see the live total, the next draw date and where the money goes.
An audited, verifiable random draw picks the winner. The pot is then split between the winner, charities, the operating bank and a public fund.
The numbers
Every input below is adjustable. The split is one configurable option, so each bank, regulator and market can tune it.
Illustrative estimates only. Actual decimals vary by account, and the effective tax treatment of prizes depends on the jurisdiction.
Built to be legal
Gambling and banking rules differ by country and by state. DecimalDraw is designed so it can launch under whichever framework a market already allows.
The decimals are saved into the customer's own DecimalDraw savings pocket, never lost. Prizes come from the interest earned on the combined pool, so customers keep their principal.
The decimals are a donation to a charity pool. A share funds a prize draw run as a regulated sweepstakes, with a free alternative method of entry wherever the law requires one.
The classic decimal pool, operated with the state or national lottery, where they hold the license and the bank provides the rails.
Why banks should adopt it
“The bank where your cents can make you a millionaire” is a reason to open an account that no rate comparison can match.
A live pot and a countdown to the next draw bring customers back to the app every day.
Under the prize-linked model the bank gathers new, stable savings balances.
Millions a year in transparent charity funding, ready for ESG and community-reinvestment reports.
Every winner is a story, and every charity cheque is a headline.
A scheduled sweep, a pool account and an audited draw run on infrastructure banks already have.
Trust by design
A prize pool lives or dies on trust, so DecimalDraw puts transparency into every layer.
Proven building blocks
Bank of America's “Keep the Change” and apps like Acorns showed that customers happily put spare change to work.
UK Premium Bonds have run since 1956 and hold savings for millions of people. US credit unions run “Save to Win”.
Point-of-sale round-up giving, such as Pennies in the UK, has raised millions a few pence at a time.
The decimals of the account balance itself, pooled bank-wide into one headline prize with a built-in charity share.
Path to launch
One US credit union or neobank, using the prize-linked savings model with a capped number of members.
Publish results: opt-in rate, engagement, new deposits and charity dollars raised.
National banks and fintech platforms, plus white-label APIs for core-banking providers.
Adapt the model to each country's rules: UK, EU, Canada, Gulf states, Asia.
We're looking for a first banking partner, plus founders, investors and regulators who want to make spare change matter.