By subscribing, you are joining a community that directly supports low-income Americans on their journey towards financial stability and emotional health.

Roughly ninety-seven percent of your contribution is evenly distributed amongst our diverse pool of applicable recipients. Each applicable recipient receives an equal portion of your contribution. For example; A ten dollar monthly contribution with ten applicable recipients equals roughly ninety-seven cents per recipient per month.

Recipients are carefully vetted through a thorough and transparent process. We use modern automated technologies supported by conditioned manual vetting to effectively and accurately identify individuals who genuinely require financial assistance. We use technologies commonly used by financial technology companies to automate underwriting and lending decisions, and are designed to ensure an open and unbiased program.

No. Our current approach is to distribute your contribution evenly across our diverse group of applicable recipients.

Individuals can apply to become recipients by accessing our open, online application process. The application typically involves providing information about your current situation, identity and financial status.

Eligibility criteria may include sufficient wage history, low-income status, and other personal considerations. We aim to support a diverse range of low-income individuals who are facing genuine hardships and actively working towards achieving financial stability and emotional health.

You will be enrolled for up to three years by default in the absence of further requirements to modify your participation.

The amount you receive each month is determined by the total contributions received and the number of applicable recipients that month. We aim to distribute contributions evenly across all applicable recipients. For example; A ten dollar monthly contribution with ten applicable recipients equals roughly ninety-seven cents per recipient per month. Every recipient can maximally receive funds up to the monthly fund threshold.

If you have waited a long time without a formal response from us, you are encouraged to seek clarification through the provided channels of communication. We may offer guidance in potential areas of improvement or alternative resources that could relieve your situation if we are unable to help you at this time.

Your share of received contributions are typically transferred directly to your platform account, to then be paid out to your connected bank account by the end of the month. Keep in mind that we have a twenty dollar minimum payout threshold, if your aggregate share is less than twenty dollars it will be rolled over to the next month until the payout threshold is met.

We prioritize the security and confidentiality of your information. Stringent data protection measures are in place to ensure that personal and financial details are handled with the utmost care and comply with relevant privacy regulations.