The future of mobile banking is having everything on a single app. Fintech companies like Credit Karma, Betterment, Acorns have repeatedly echoed that sentiment of striving to be a one-stop-shop for all financial matters of their customers. Following in those footsteps is debt-management app Tally, which launched a roboadvisor feature yesterday and raised $25 million in a new funding round.

In order to be able to add more features to its existing platform, the technology stack needs to be cloud-based, agile and easy to add onto via API, Tally CEO and co-founder Jason Brown explained to Bank Innovation. 

“Automation is key to scalability,” Brown said. “This scalability lets us add products and features. We understood this from the time we started Tally a few years ago, and that’s why we decided to build our entire platform in-house from scratch. It took us three years, but now we can do a lot with it — in terms of adding products and services because of that agility.”

One such example is Tally’s robo-advisor feature that went live yesterday. Tally Advisor lets users set personal debt repayment goals within the app. The feature is not an investment app like a Betterment or Money Lion but instead, is solely focused on debt repayment. Within the app, the user sets a goal and Tally Advisor determines the optimum amount for the user to pay each month. That amount changes based on the user’s current balances, monthly spending and income. To calculate that amount, Tally Advisor also considers things like financial setbacks and cash flow.

“This is what makes us different from traditional autopay,” Brown said, “because the monthly payment is fluid, not fixed. Plus we have no late fees or fees of any kind, for that matter.”

Aside from this feature, earlier this month Tally raised $25 million in a Series B round. The app went live last October. Prior to this recent Series B, Tally raised $17 million in seed funding. The company currently has 50 employees. Brown hopes to double that number within the year. So far, Tally is free and available only on iOS, but Brown said he hopes to launch it on Android “soon.”

To use Tally, consumers download the app and then scan their credit cards. Tally runs a soft credit check, and users must have a FICO score of at least 660. The app then analyzes “fastest and smartest ways for them to pay off their credit cards,” Brown said. Tally basically takes on the user’s credit card debt by offering them a single personal loan with a  lower interest rate and a new line of credit, all based on the user’s financial profile.

Brown did not reveal the number of users, but said the app has a “99% retention rate of our users month over month.”

See how the app works below: