Not sure if this idea has been raised before (I’m on my phone between meetings, so can’t check) but one problem I have sometimes with budgeting, even with the addition of pots, is the occasional impulse purchase.
Buying is so easy these days, with features such as 1-click purchase on Amazon. However stopping to think and assess whether you want, need or can afford something is really important. Pots helps, but it is almost too easy to transfer funds to my account (great job Monzo by the way). How about a feature where before transferring funds from a pot, to make a purchase for example, we are given the option (this could be tied to a specific pot and customised by the user) to wait and consider what we’re doing. An ‘airlock’ for your funds if you like.
You could choose to set a 60 second timer for example, in which a few prompts are shown with a message such as ‘Do you WANT or NEED this?’. The user could even input answers to these questions which could be appended to the notes of the transfer (or not). When the timer has ran down, the user could then be offered the opportunity to change their mind or continue with the fund release. This should give them some time to really consider whether their purchase is responsible/sustainable.