Qube Money

About the offering

Qube’s digital banking system enables in-the-moment guidance to align the use of money with values and goals. Our patented transaction-level authorization promotes mindful spending, helping relieve financial stress and anxiety. Qube’s digital banking system enables in-the-moment guidance to align the use of money with values and goals. Our patented transaction-level authorization ensures mindful spending, relieving financial stress and anxiety. Reasons Icon With a target market of 44M budgeting app users and a total market of 269M people in the U.S. who are 18 or older, Qube taps into a thriving industry that is hungry for disruption. Virtually everyone wants real-time guidance with money decisions. Reasons Icon Led by a team with decades of collective experience in personal finance & technology, we believe Qube is at the forefront of financial innovation by empowering individuals to take control of their financial future. Qube Money is a proactive approach to managing your money simply by the way you bank. Instead of tracking expenses after they happen, Qube’s AI helps you organize your money into specific spending categories–like groceries, bills, or dining. Each purchase comes directly from its designated category, so you always know where your money’s going. No reconciling. No surprises. Just real-time clarity and control with every swipe. the problem & our solution Aiming to Redefine Financial Wellness Traditional banking is ever moving toward automation—because more swipes means more profits—leaving people with a constant sense of “where did my money go?”. Unlike budgeting apps that track spending after the fact (a reactive approach that lacks the power to solve the financial health crisis that is causing divorce, job turnover, and suicide for some), Qube makes planning and organizing money within your bank account effortless and mindful spending easy. This approach helps alleviate anxiety and transform a user's relationship with money, potentially improving overall well-being. By understanding the behavioral science of finance, Qube believes they have mastered the art of making money work for individuals, amplifying their virtues. Like cash envelopes, Qube helps users organize their money into digital envelopes (qubes) representing their spending categories and empowers them to literally purchase groceries with their grocery category and fuel with their fuel category all from the convenience of one debit card. There is no need for post tracking or reconciling because each category represents real money and updates in real time as money is spent. Through our patented Transaction Level Authorization technology, we control the authorization of every transaction, ensuring users stay within their spending plan. Our business model, a blend of interchange revenue and account fees, generates a monthly recurring revenue of approximately $175,000. With a focus on innovative distribution channels, including B2B partnerships, Qube is redefining financial wellness for the modern era. the market & our Traction Putting Power Back In Your Wallet Branded as the first MINDFUL BANKINGTM app, Qube Money is targeting the vast market of 44 million individuals using budgeting apps. Since our inception in January of 2021, Qube has been experiencing steady growth. In 2023 and 2024, Qube grew its monthly recurring revenue by over 50% per year with a $0 marketing budget. Today, Qube is doing over $12.5 million in monthly card transaction volume while maintaining a low churn rate. With 19,560 accounts reporting positive balances and 6,200 subscribing accounts, Qube has demonstrated its appeal and benefits. Source *Number of individuals using budgeting apps calculated by the company based on its own research and analysis. Estimated annual revenue opportunity based on total target market spend and subscription pricing assumptions. Notably, we believe our innovative patent enables a user’s spending plan to approve/decline transactions at the point of sale is a unique feature in the market. We feel that Qube is set for further expansion, supported by accolades like being named the #1 Best Budgeting App of 2021 by Real Simple Smart Money Awards, and partnerships with Christian churches and some of the world’s largest debt relief and credit counseling companies. With our upcoming release of AI generated spending plans, we are aiming to democratize access to our technology, contributing to a significant leap forward in financial empowerment. why invest Unlock Financial Freedom With Qube Money With strategic growth partnerships in employee financial literacy, Christian churches, debt relief, and credit counseling companies underway, we believe we are on track to capture a significant market share. Qube has built a product that has not only shown to be incredibly effective but also highly acclaimed, as shown by a growing number of positive app reviews. We believe that our platform, coupled with a focus on empowering individuals and families to achieve financial wellness, presents a unique opportunity for investors. Invest in Qube Money and help our mission to unlock financial freedom for generations to come.

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