Pots are a great idea - even more so with the new payments feature being developed. However, I spent a good amount of time trying to get them to work but ended up going back to using a spreadsheet for keeping track of expenses and savings.
I don’t want this to look like self-promotion, however, I wrote a detailed article about how I use Monzo and a spreadsheet for budgeting here: making a monthly budget with a spreadsheet & Monzo …when I first started to write the post, it was going to be about using Monzo and pots for monthly budgeting, however, as I started to experiment I realised it wouldn’t work.
Summary: offer a competitive interest rate with easy access to pots. Most people will have bills that aren’t monthly or saving for something like a holiday, so it’s nice to earn along the way. I appreciate you don’t want to over complicate your app but some way of tracking asset depreciation would be cool and perhaps an avenue for you to monetise. I buy a laptop/phone every ~3 years so I need to put aside money for this; the vast majority of people don’t. This could be another nice way to encourage saving and paying for things when you can afford it vs getting ripped off on your next phone contract.