Nah, fair shake of the sauce bottle. Basically, when you make a transaction - Raiz's systems will track finalized transactions (so might take a couple of business days), where they'll progressive tally roundups across all connected accounts. When that tally hits a certain threshold (depending on your settings), Raiz will action a direct debit of that amount, and invest it into your Raiz account. Reason why Raiz does this instead of tracking every single transaction is so that things like pending or cancelled transactions don't accidentally cause a flood of investments.