Acorns is a leading fintech company that has revolutionized the concept of micro investing. Their platform offers a simple and user-friendly way for individuals to start investing with small amounts of money.

At the core of Acorns' service is their proprietary financial engine. This engine is designed to seamlessly integrate with users' everyday spending habits. By linking their debit or credit cards to the Acorns app, customers can enable a feature known as "round-ups."

Here's how it works: Whenever a user makes a purchase using their linked card, Acorns automatically rounds up the transaction to the nearest dollar. The difference between the actual purchase amount and the rounded-up amount (which is typically a few cents) is considered the spare change.

Acorns then accumulates this spare change from multiple transactions until it reaches a certain threshold, usually around $5. Once the threshold is met, Acorns transfers the accumulated amount from the user's linked bank account to their Acorns investment account.

Now, instead of letting these sub-dollar amounts sit idle, Acorns takes the next step by investing them into a diversified portfolio of index funds. Index funds are investment vehicles that track the performance of a specific market index, such as the S&P 500.

Acorns offers a range of portfolio options tailored to different risk profiles and investment goals. These portfolios are managed by a team of professionals with expertise in asset allocation and investment strategies. This means that even with small amounts of money, users can benefit from the potential growth of the stock market through diversified investments.

To enhance the investment experience, Acorns provides users with tools and features to monitor their portfolio performance, set financial goals, and automate regular contributions. They also offer educational resources to help users learn about investing and make informed financial decisions.

In summary, Acorns leverages its proprietary financial engine to facilitate micro investing by rounding up spare change from everyday purchases. These sub-dollar amounts are then invested into a professionally managed portfolio of index funds, allowing users to grow their wealth over time, even with minimal investments.