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If you pay off your credit card, using automatic debits from your bank account, there is usually a specific day when the balance is paid in full. Instead of that system, this software would pay the balance off in increments during the course of the month so that by the due date, the entire balance has been paid. The advantage would be that the software monitors the current cash exchange rate, so that when you could gain more interest by leaving the money in your bank account, it would pay the credit card balance in smaller increments. When interest is down, it would pay in larger increments. The flucuation of exchange rates could be exploited to your advantage (take that George Soros!), so that you're not losing interest on your money when you don't need to.