Open Arsenal

Don’t Let Your Cash Sit There.

BankDividend is an open source AI specification designed to help people identify, compare, and evaluate checking, savings, money market, certificate, and credit union account options based on their individual financial criteria. Instead of simply presenting advertised interest rates, BankDividend retrieves available account options, normalizes their terms, evaluates eligibility requirements, and ranks products according to the financial benefit they can provide to the user. Its core philosophy is simple: Don’t Let Your Cash Sit There.

BankDividend includes an earnings calculation engine capable of estimating how much a user could earn from deposits over time. The system can account for APY, balance tiers, compounding, cashback, account-opening bonuses, dividends, and other measurable incentives. It can also calculate and subtract applicable account fees, transaction fees, ATM fees, minimum-balance penalties, required subscription costs, and other expenses so that users can see an estimated net financial benefit rather than relying on an advertised rate alone.

The specification is designed with a federally insured-first approach. FDIC-insured banks are the default preference, while federally insured credit unions can also qualify through NCUA share insurance. Insurance status should be independently verified rather than assumed based solely on the institution being called a bank or credit union. Institutions or products without verified federal insurance receive a bold red-flag warning, allowing users to distinguish higher-yield opportunities from accounts that may not have standard federal deposit or share insurance protection.

BankDividend is modular and can support public or privately owned institutions, community banks, online banks, credit unions, and other eligible financial institutions without giving ownership structure preferential treatment. Its modules can handle institution discovery, product retrieval, eligibility analysis, insurance verification, fee detection, earnings calculations, behavioral simulations, rewards analysis, ranking, explanations, source verification, and ongoing monitoring of changing account terms. The goal is to provide an AI-driven, transparent, consumer-first banking optimization system that helps users find where their money can earn the most while minimizing fees and maintaining appropriate protection.

This specification is released under the GNU Affero General Public License v3.0 or later (AGPL-3.0+) and is free to use with required attribution. Attribution-free deployment is available through a Specification Branding License, with fees based on deployment scope and network size.