Empowering
the 99%
to build wealth
“Fixing a broken
incentive system.”
$15B
wealth transfer from 99% to higher income through credit card points
$1T+
in credit card debt
3-5%
record low personal savings rate
We believe incentives drive the world, and today, incentives are driving people to spend beyond their means. Social media, rewards and cash-back, points, and rising costs— all of these factors combine to create a system where spending is prized above all. But, it also creates a fragile system.
Why not flip the incentives?
Not only do average consumers not benefit, but financial institutions also don’t benefit long-term from high levels of debt and low deposit rates. So we set out to flip the incentive structure, and align incentives between financial institutions and regular people.
Status Quo
- Only earn rewards when you spend
- Must use specialized card to earn
- Rewards not tied to loyalty
Debbie
- Earn points for saving, making on-time payments, and smart spending
- Earn across all accounts, multipliers on partners
- Get tiered upgrades for being a loyal member
Our advisors and
investors
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Start earning rewards for reaching your goals.
