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sits idle in U.S. savings accounts, earning under 1% while inflation erodes purchasing power every year.
Deposit and get 80% loaded onto a debit card for immediate spending. Your full deposit earns ~10% APY through high-yield platforms. That yield auto-repays your loan over time. When it's done, your full principal is returned. Insurance covers everything.
80% of your deposit is spendable on day one via the Repay debit card.
Yield auto-repays the loan. No monthly payments. No interest charges.
When the loan is fully repaid, your entire deposit comes back to you.
Every deposit is covered. Not optional. Insurance through Wise and Evertas.
Every dollar you deposit is yours to reclaim. The loan repays itself; you keep the principal.
Built for anyone, not just experts. Simple UX that abstracts away all complexity.
2–5 year locks create sustainable, predictable yield. No mercenary capital chasing APY spikes.
idle in U.S. savings accounts alone
Mainstream users seeking better returns with real safety nets and insurance coverage.
Corporate treasury and institutional yield management solutions.
White-label for fintechs, HR platforms, and IRA providers.
Unit economics scale linearly with TVL growth
Payment rails and yield infrastructure. Relationships across the full tech stack.
Full-stack engineering and smart contract development.
Post-Money SAFE · $5.5M Cap
Pre-seed $1–2M at $10–15M cap. Milestone: working testnet MVP before pre-seed raise.
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