Robinhood has this “Cash Management” feature. They send you a debit card. The balance on the card is the basically the “cash” in the account that has not been used to trade stocks. This “cash” gets paid interest if not used. I am hoping MooMoo will one day make a similar feature to this. It benefits both the user and MooMoo as while one can earn interest for having “leftover balance,” the other can use this cash as loans for other users.