Chip smart money management

I think Chip uses open banking right, if so, would there be an option for Chip to move money automatically aside to an account to cover your outstanding credit card balances as you spend, so people don’t spend more than they earn? That would be a sweet idea.

That sounds like a good idea but you would need it to link to the credit card accounts and your bank account. In fact any bills might be a good idea and then what you are left with is your spending or saving money.