In an email from one of my banks...

I received an email from one of my banks today. Here's an excerpt:

Round Up and watch your savings build up. Back in the day when most of our purchases were made using cash, it was common to find loose change everywhere. Now we’re more likely to pay with a debit card and tap and go. So, the past of pesky loose change bulking up wallets could be heading into the history books.Using the optional Round Up feature with your Everyday Access account can put your loose dollars to work. It can be set up easily via the xxx Bank app.Each time you spend with your xxx Bank Visa Debit card, your purchases are rounded to your choice of the nearest dollar, nearest $5 or nearest $10 with the funds transferred to your nominated xxx Bank savings account. It’s the easy way to save.

I really liked the idea RZI had. I liked it enough to buy shares in it. I liked it enough to keep holding as it's sunk, and I'm now quite a way underwater. But it now looks like an idea with about as much moat as anything that was in the BNPL space ie zero.
Good luck, but I'm cutting my losses tomorrow morning.