Savings pots and goals

A person, an organisation or an agent acting under its mandate sets money aside in named savings pots, each with an optional goal amount and date, moves money in and out between the main account and a pot, saves automatically with round-ups and regular transfers, and closes a pot with its balance returned to the main account. Agents save within their mandate: they can only move money between the account holder's own main account and pots, within the limits the account holder set, and every move is confirmed by the ledger and can be reversed.