The upgraded account user could choose the “Wealth” page, scroll down to Stable Money choose Own Wish, click Add Wish to start a monthly saving by filling out the following information:

- Monthly deposit amount.

-Deposit period.

-Starting date.

Own Wish has a minimum deposit period of two months and a maximum of 60 months. The system will calculate your total goal amount based on your preferred monthly payment and term length. You can also name your wish using these default labels:

- Emergency funds

- Travel

- Tuition fee

- Downpayment

- New budget

- And more!

If your goal isn't listed above, you can customize your label to reflect it. Once your term ends, the savings and interest earnings you've earned will be transferred immediately to your Own Balance account.

If you want to earn a share of the bonus, you can join Wish Tracker. To participate in, you need to set the Wish Tracker Deposit amount each month and pay the total amount before depositing the funds. If you fail to deposit the fund on time, your Wish Tracker will be deducted for this month. If you deposit the funds on time, you will receive your Wish Tracker along with interest by the end of the month, and you will have a chance to earn a share bonus from other users whose Wish Tracker was deducted.

You can also get your friends to participate in your Wish Tracker, so that you can increase its amount significantly, and therefore improving your interest earnings.