It was very difficult for many people at any given time to produce hundreds, even thousands of dollars to meet personal goals. The available options included going into debt by racking up the line of credit, borrowing from a high interest lender, or spending the only savings that have been saved for emergencies. VaPay was a concept introduced by Chris Nelson, which was intended to help people save for every purchase that would made on their debit or credit cards. VaPay app would round up each transaction to the nearest dollar and deposit it in a SAFE non-volatile savings account towards your next vacation or car or any personal goal.