Feature spec
Goal: Send a clear invoice after finishing a job.
- Add a client, line items, a due date, and payment instructions.
- Preview the total before exporting a PDF.
- Keep an editable draft if export fails.
App Overview
Upgrade - Mobile Banking
Get easy and rewarding mobile banking all in one place! Request cash advances and open a high-yield savings account, check balances, pay bills, track cash back and manage loans, cards and more.
Free · In-app purchases
PRICE
Free
In-app purchases
BUSINESS MODEL
Freemium
No overall Grossing estimate available
RATING
★ 4.9
79,809 ratings · Top 5%
Evidence scope: No current overall US chart position is available. Category-chart positions shown in discovery are a separate scope. Revenue is a directional model estimate, not verified earnings.
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Build Kit
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A product spec, screen plans, and build steps for your coding agent.
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What's included17 files
A product spec, phased build plan, differentiation notes, and screen references.
- START_HERE
- AGENTS
- EVIDENCE
- SPEC
- BUILD_PLAN
- DIFFERENTIATION
- skills/
- screens/
Preview a sample Build Kit No email needed
Illustrative example: an invoice app for independent contractors. Your kit is tailored to the app you choose; this is not its generated content.
Screen plan
Invoice editor: Client at the top, editable line items in the middle, total and preview action at the bottom.
States: Empty draft, validation errors beside each field, exporting, and a retry action that preserves the draft.
Differentiate and validate
Hypothesis: Contractors need faster repeat invoices more than more templates.
First experiment: Test duplicating a previous job with five contractors. Watch where they hesitate before expanding the feature set.
The full kit adds a phased build plan, evidence notes, tool prompts, and implementation guidance. It is a plan for your coding agent, not a finished app.
Usage: Mechanics are fair game; never reuse the original name, branding, assets, or verbatim copy.
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Free quick prompt For a smaller starting point
Quick prompt
Good fit for mobile-first iOS and Android prototypes with managed app scaffolding.
// RORK SYSTEM PROMPT
Rork plan preview for Upgrade - Mobile Banking: map the core Finance workflow, choose the smallest differentiated feature set, define the data and monetization boundaries, then prototype the riskiest user journey first.
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Opportunities
AI-GENERATED OPPORTUNITY HYPOTHESES
These are generated suggestions, not verified review quotations. Check current App Store reviews and speak with users before treating a possible gap as a requirement.
Hypothesis 1
Include personalized budgeting tools with alerts.
Assumption to check: Limited functionality for advanced budgeting.
Validate with people who use this workflow before building.
Hypothesis 2
Streamline account linking with easier integration.
Assumption to check: Complex account linking process.
Validate with people who use this workflow before building.
Hypothesis 3
Integrate chat support or FAQs.
Assumption to check: Lack of customer support options.
Validate with people who use this workflow before building.
Hypothesis 4
Implement AI-driven automatic categorization for transactions.
Assumption to check: Inconsistent transaction categorization.
Validate with people who use this workflow before building.
App evidence
Original App Store material. Ratings and screenshots describe the existing app, not proof of demand for your version.
App Store description
Get easy and rewarding mobile banking all in one place! Request cash advances and open a high-yield savings account, check balances, pay bills, track cash back and manage loans, cards and more. Upgrade is a financial technology company, not a bank. • Track Rewards – Earn cash back rewards on Upgrade Card purchases⁴ • Manage Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement accounts. Make payments and check your balance. • Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score. Share feedback at [email protected] Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment. Personal Loan offers are subject to approval. For more information on Personal Loans through Upgrade visit https://www.upgrade.com/personal-loans/. ¹ Subject to eligibility. BoostCash™ amounts range from initial $20 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. Delivery may take 3-5 business days without Premium or via ACH; or within minutes with express delivery for Premium subscribers ($9.99/mo). Funds availability depends on the receiving bank. Learn more about eligibility and terms at upgrade.com/boost-money/eligibility. ² Add funds to your Boost Money™ Spend account, and spend up to the available balance with Boost Money™ Card. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. Late payments, delinquencies or other derogatory activity on this account or your other credit card accounts and loans may adversely impact your ability to build credit. ³ For Boost Money™ Save accounts, the 10.00% Annual Percentage Yield (APY) up to a $1,000 balance requires a Premium subscription ($9.99/mo). Balances over $1,000 with Premium earn 3.05% APY. Without a Premium subscription, the APY for the Boost Money™ Save account is 1.50% on all balances. The APY is effective as of 10/31/2025, is variable and may change at any time. Certain fees, such as outbound wire transfers or RTP, may impact earnings. Please refer to the applicable Cross River Bank Savings Deposit Account Agreement and Truth in Savings Disclosure. ⁴ Purchases accrue cash back when you pay them back. Certain limitations apply. See Upgrade.com for full Upgrade Cash Back Rewards Program details. All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners (www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/State-Licenses) and does business under the following DBAs (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-).
Written user reviews are not shown here. Check current App Store reviews >
Screenshots
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Build scope
Plan a focused first version with your coding agent. These are planning assumptions, not a delivery guarantee.
Define the first version
Choose one audience and one core workflow. Use the kit to agree on its screens, data, and acceptance criteria before building.
Set boundaries
Decide which secondary features, integrations, and platform support can wait. Your version does not need to reproduce everything in the original.
Check the hard parts
Validate external services, specialist technology, data access, and ongoing costs for your chosen scope.
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Axios
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BUILD KIT DIFFICULTY
Expert
From the Build Kit assessment.
A reliable timeline needs an agreed scope and a technical check. Ask your agent to estimate the phases in BUILD_PLAN.md after that review.
