Red Capital, a fintech company, is changing the game in banking with its AI approach to high yield savings and CDs. With its “Sweep System” Red Capital has broken free from the one bank limitations of traditional fintech.

Unlike traditional platforms that limit customers to products from one bank, Red Capital’s AI system monitors over 3,000 insured banks and credit unions through the INTERFI system. This means customers can automatically get the highest rates across the entire network of banks.

“The AI doesn’t just find the best rates once – it’s always searching and analyzing across thousands of institutions,” says James Martinez, Chief Banking Officer. Early adopters are seeing an average of 1.2% more in annual interest earnings than single bank platforms.

What sets Red Capital apart is its ability to combine technology with traditional banking. While the platform uses AI for rate optimization, it uses standard banking security through its network of insured partners. This hybrid approach means customers get better returns without sacrificing safety.

The results are already impacting the fintech industry. “This is what the future of digital banking looks like” says Maria Thompson, Director of FinTech Research. “The combination of AI with traditional banking infrastructure is a hard to beat proposition.”

As rates go up and down Red Capital shows how AI can be used not just for banking convenience but for real customer financial results. The company is proof that AI optimization will be the new normal in digital banking.