Guava bills itself as a personal coach for the finances of the American worker. Modeled on M-Pesa and other SMS-driven financial platforms, Guava provides text-based tips on coupons and deals to users, based on their profiles. The term “worker” suggests a social mission, and indeed the service focuses on lower-income households. In addition, the software provides an educational section to get users up to speed on earning, in order to get the most from their dollars. Put another way, everyone needs to exercise, even in personal finance.