One Reason to Join the CrowdPays™ Financial Freedom Network.

Over the next 100-Months, we’ll Chip In™ between $160,350 – $800,000 on the bills you will be paying!

Do you spend at least $4,000/mo. on household and personal expenses and need more money? When you switch from your current bank’s automated bill pay to CrowdPays’ bill pay concierge service, your bills and household expenses will still be paid on time, in full, and securely — exactly as they are now.

The difference is that CrowdPay Inc. begins Chippin In™ on your cost of living each month. Over the next 100 months, our system is structured to contribute between $160,350 and $800,000 toward your household budget — benefits you never have to pay back. That means you keep more of your income every month, and you’re free to use the difference however you choose.

Eligibility: Participants must be 25 or older, full-time employed, spending $4,000–$20,000 per month on personal and household expenses, with proof of an active IRA account. Approval for payout contributions is based solely on verified household expenses and W-2 income, with no credit check and no repayment required. Your 100-Month Cost of Living Payout™ is distributed over 100 months, during which CrowdPays™ is committed to Chippin In™ on your cost of living by contributing between $160,350 and $800,000 toward your chosen outcomes—whether reducing monthly expenses, increasing savings, or directing payouts into investments. CrowdPay Inc., doing business as CrowdPays™, is a financial technology company (NAICS 522320) providing concierge-style Daily Money Management through its proprietary SaaS platform and automating household bill payments via FDIC-insured partner banks (NMLS & NeoBank Pending) using their regulated money-transmitter infrastructure.

An Introduction…

CrowdPays™ is a Members-Only Network that delivers “Access to Wealth”

CrowdPay Inc., DBA CrowdPays™, is an online bill pay concierge. Members let us manage and pay their household and personal expenses—not because they can’t, but because we turn everyday spending into something more powerful: we begin Chippin In™ and contribute $160,350 to $800,000 toward your verified expenses over the next 100 months.

Secure Bill Pay Services
Open a Bill Pay Expense Account and list your expenses. We total your monthly outlay, divide it by four, and you deposit that set amount each week. Every assigned bill is then paid on time, in full, and without the risk of a bounce.

How We Afford to Chip In
Each time you make your weekly deposit, our banking and brokerage partners lend us capital against your future deposits. That leverage allows us to chip in to your bill pay account so your next deposit requires less—letting your own spending work on your behalf instead of sitting idle. This funding structure powers your 100-Month Cost of Living Payout™, which is not a loan:
• No credit check
• No repayment
• No interest

Your consistent weekly deposits—not your credit score—qualify you for payouts. The more stable your expense pattern, the more capital we can extend, typically $160,350 to $800,000 over 100 months.

The Split Dollar Deposit™ System
Your payouts are applied in one of two ways:

Reduce your future weekly deposit requirement for immediate monthly cash-flow relief, or
Keep deposits steady while directing the benefit into the investment account of your choice.

This Split Dollar Deposit™ structure gives you full control. Some call it A Beautiful Loan™, because it turns everyday spending into financial power without creating debt.

Eye-Opener
If your expenses are $4,000 per month, you’ll spend at least $400,000 over the next 100 months—simply paying bills. Through CrowdPays™, those same bills are paid on time and in full while we chip in $160,350 to $800,000 toward your financial goals.

Question: Over the next 100 months, do you want to spend $400,000 your way (just paying bills), or $239,650?

Would you like a link to be interviewed for membership in the CrowdPays Network? Here it is: Link

Pros – Why It Works for Members

Easy to Start — Easy to Start — CrowdPays™ begins Chippin In™ on your household expenses the moment you join. No new spending is required: simply sign up, list your expenses, and make your normal weekly deposits based on what you already spend—rent, groceries, utilities, childcare, and more.

Increasing Payouts — After your first 90 days, your account begins receiving monthly contribution credits that grow over time—eventually offsetting up to 50% of your total expenses.

Month-to-Month Flexibility — Choose whether your credits reduce your weekly deposits or flow into your investment account.

Things to Know — So There Are No Surprises

Your Benefits Are Based on Your Verified Expenses
The household expenses you document determine the maximum monthly contribution credits available to you.

Contribution credits are calculated from your verified household expenses.

This Is Contribution Support—Not Direct Cash Payments
CrowdPays™ does not send cash directly. Instead, contribution credits:

Reduce the weekly deposits you need to make, or
Can be directed into your IRA or chosen investment account.

Consistent Use Is Required
Members must stay active for 90 days before increasing benefits begin. This stability ensures everyone’s contributions grow reliably over time.

Payout Calculator

Your Expense Account Comes With:

• Secure login access to track deposits, bills, and contributions
• A unique Bill Pay Account for household expenses
• Automatically decreasing weekly deposits as your contributions grow
• Real-time bill payment tracking and discretionary spending reports
• An affiliate dashboard to share your referral link and watch your contributions increase
• Cash-flow and planning tools for debt payoff, savings, or investments
• (Optional) Investor tools to help you put freed-up cash to work

Imagine This: Paying bills doesn’t just cover expenses—it builds lasting contributions you can direct toward lowering your cost of living or funding your financial future.

Estimate by Graph

How to Start on CrowdPays™

Getting Started

• Open an Expense Account and deposit enough to cover monthly expenses
• We pay your bills on time and in full
• You receive loan proceeds start at $250/month at first, to as much as
• You loan proceeds will match 50% of your expenses over time by month 36
• Total proceeds range between $160,350 and $800,000 over 96 months. Calculate your Payout Benefits

Your Choices:
a) Lower your weekly deposits to reduce cost of living
b) Redirect contributions into investments for long-term growth
c) Split between both

This process works without traditional loans, credit checks, or repayment. It’s powered by the scale of the network, and is not an investment risk.

What You’re Not Doing:

• Not getting investment advice
• Not budgeting harder
• Not saving more

What You Are Doing:

• Paying the same bills through a smarter system that generates real returns

CrowdPaying (v.): Paying bills in a way that redistributes value back to you through group economics—boosting your Household Economic Index (HEI) by freeing more of your income from expenses.

We Chip In While We Pay all Household & Personal Expenses

Mortgage/Rent, 2nd Mortgage, Vehicle Loans, Credit Cards, Student Loans, Furniture Loans, Personal Loans, Lines of Credit, Investments, Child Support, Electricity Bills, Natural Gas Bills, Cell Phone Bills, Legal Bills, Vehicle Insurance, Streaming, NetFlix, Hulu, Life Insurance, Health Insurance, Water Bills, Sewer Bills, Property Taxes, Homeowners Insurance, Streaming Bills, Cable Bills, Internet Services, Gym Bills, Vehicle Gasoline, Groceries, Religious, Trips, Vacations, Amazon, Cosmetics, Barber, Salon, Dry Cleaners, Entertainment, Clothes Shopping, Other Miscellaneous Items, college tuition, storage unit, renters insurance, HeLoc

You are the Ideal Client

Busy People:

Doctors
Attorneys
Corporate Managers
Entertainers
Nurses
Athletes

Any W2 Employee

Quality of life Improvement:

People who want to live worry-free.
The Elderly
Caregivers of the Elderly
Retirees

Anyone

The Financially Concerned:

Newlyweds with new babies
People who want to pay off debt.
Investors
People who want financial freedom

Anyone

Two Ways to Use Your Payouts

Option A: Lower Expenses, More Cash-Flow!

With this choice, your 100-Month Cost of Living Payout™ is applied directly to your household expenses. Let’s say your monthly bills total $5,000. Instead of asking you to cover the full amount, CrowdPays gradually reduces the weekly deposits we collect from you as your loan benefit kicks in. That means you get the same bills paid, but you’re setting aside less money each week to make it happen.

The result is immediate relief in your household budget. Families who choose this option enjoy extra breathing room without changing their lifestyle or cutting back on essentials. It’s the simplest way to create space in your monthly finances and free up cash flow right away.

Weekly Deposits Go Down
Example: Bills = $5,000 → CrowdPays collects less each week as your 100-Month Cost of Living Payout™ benefit kicks in.
Result: Immediate breathing room in your household budget.
Best for: Families looking to free up cash flow and reduce monthly expenses immediately.

Option B: Level Expenses, Cash Invested

With this choice, your 100-Month Cost of Living Payout™ doesn’t reduce your household deposits—instead, it is directed straight into your investment account. For example, if your monthly bills total $5,000, you’ll continue depositing the same $5,000 each month. The difference is that your loan benefit is added on top, flowing directly into the broker-dealer account you already trust—whether that’s Morgan Stanley, Fidelity, Schwab, or another of your choosing.

This means your lifestyle and expenses remain steady, but behind the scenes, your 100-Month Cost-of-Living Loan™ is quietly building wealth for you. Month after month, you’ll see deposits appear in your investment account, creating long-term growth potential without any extra effort on your part.

This option is ideal for families who want to turn household benefits into a future-focused investment strategy.

No Drop-Down Option (Investment Growth)

Weekly Deposits Stay the Same
Example: Bills = $5,000 → You keep paying $5,000.
Loan Benefit Flows Into Your Broker Account
Deposits are sent straight to your investment account (Morgan Stanley, Fidelity, Schwab, etc.).
Result: Watch your loan proceeds build wealth every month while your lifestyle stays the same.

Best for: Families who want to invest their benefits for long-term growth.

Are You Advisor Ready™?

AdvisorReady™ — Contributions That Empower Investments

CrowdPays™, through its AdvisorReady™ initiative, is designed to support long-term wealth building by contributing directly to member-selected investment plans. Our role is not to advise, manage, or control investments—we ensure that contributions are made consistently in accordance with our 96-month schedule.

1. Making Financial Advisory Accessible

Barrier Removed: Many individuals hesitate to work with financial advisors because they cannot commit new funds. By providing scheduled contributions, CrowdPays™ helps members access the benefits of professional financial guidance without having to generate additional income upfront.

Empowering Action: Members choose their own advisors and investment strategies. AdvisorReady™ ensures that contributions flow reliably into those plans, making it easier to implement and sustain long-term strategies.

2. Growing Retirement & Investment Accounts Consistently

No Additional Burden: A major obstacle to investing is maintaining regular contributions. CrowdPays™ solves this by delivering contributions over a 96-month schedule, ensuring steady account growth without requiring members to find “extra” money.

Compounding Power: Consistent contributions—directed entirely by the member and their advisor—allow investment accounts to benefit from the compounding effect over time.

, creating a sustainable path to retirement.

3. Encouraging Financial Discipline

Automated Contributions: CrowdPays™ ensures that contributions flow automatically into member-directed investment accounts on a 96-month schedule. This consistency builds financial discipline without requiring members to actively manage the process.

Long-Term Planning: By pairing CrowdPays™ contributions with financial advisors, members can align steady funding with personalized strategies that prioritize retirement and wealth-building goals.

4. Amplifying Impact Through Collaboration

Community-Driven Contributions: The strength of CrowdPays™ lies in its network. By pooling participation, the system enables steady contributions that individuals might not sustain alone. This collaborative approach fosters accountability and reinforces the habit of long-term investing.

Shared Growth Mindset: Being part of a collective effort reduces the isolation many feel about retirement planning and creates confidence in moving toward shared financial goals.

5. Addressing Retirement Anxiety

Reducing Fear: A key source of stress is the uncertainty of whether contributions will continue over time. CrowdPays™ provides a clear, structured 96-month path, allowing members to plan with confidence.

Building Confidence: Knowing that contributions are automated and aligned with member-directed investment strategies creates peace of mind, helping individuals feel secure about their long-term financial outlook.

The Problem

Millions of Americans face retirement insecurity because:

Savings are insufficient and financial planning is often neglected.
Rising monthly expenses leave little room to invest.
Financial advisors feel out of reach due to high perceived costs.
Long-term investment strategies seem impossible without cutting back on today’s lifestyle.

The Solution: CrowdPay™ with AdvisorReady™

Core Value Proposition
CrowdPay™ transforms up to 50% of ordinary monthly expenses into investable savings — without requiring extra income, lifestyle sacrifices, or upfront cash.

How It Works

Leverage the Crowd: CrowdPay™ combines household deposits to create momentum in the banking system. By strategically borrowing against this flow of money, we unlock new funds without asking members for extra contributions.

Advisor-Directed Contributions: These funds are then directed straight into each member’s chosen investment vehicle, following their personalized schedule and financial goals.

Invest Without Sacrifice: Members can follow their advisor’s strategy and build long-term wealth — all without cutting back on spending or relying on new income.

Key Message:
“Fund the Investment Strategy Set by Your Financial Advisor without spending a dime! CrowdPay™ transforms your monthly expenses into your pathway to retirement security.”

We Will Chip In™ to Your Chosen Investments

Life Insurance, IUL, and Whole, Stocks, Bonds, S&P 500®, Mutual Funds, ETFs, Index Funds, Treasury Securities, Private Equity, Venture Capital, Real Estate, REITs, Commodities, Options, Futures, Cryptocurrency, Bitcoin®, Ethereum®, NFTs, DeFi, Personal Capital, Covered Calls, Crowdfunding, DeFi, Fractional Shares, High-Yield Savings, Index Funds, Individual Stocks, Personal Capital, Precious Metals, Kraken®, Coinbase®, LendingClub®, Robo-Advisors®, Stablecoins®, Treasury Securities, Wealthfront®, Betterment®, Captrust®, RobinHood®

Long-Term Financial Milestones Funded Through CrowdPays

1. Homeownership & Mortgage Payoff

Use the $250–$3,000+/month reduction in household deposits to:
- Save for a down payment on a home.
- Make extra mortgage payments to pay off a home 5–15 years early.
- Qualify for better mortgage terms due to reduced monthly obligations.

2. College or Trade School Funding

Redirect excess funds into:
- 529 Education Savings Plans for children.
- Tuition payments for trade schools, community colleges, or adult learners.
- Funding for certifications or licenses that boost earning power.

3. Debt Elimination

Apply Beautiful Loan™ savings toward:
- Paying off credit cards, personal loans, or medical debt faster.
- Avoiding late fees, interest accrual, and negative credit events.
- Building debt-free living habits and emergency funds.

4. Small Business Startup

Use freed-up capital to:
- Cover startup costs like LLC formation, equipment, or inventory.
- Hire help, invest in marketing, or sustain business during the ramp-up phase.
- Fund business growth without borrowing or seeking risky investors.

5. ‍Early Retirement or FIRE Goals

Save and invest freed-up capital to:
- Reach financial independence decades sooner.
- Fund early retirement with monthly contributions into Roth IRAs, 401(k)s, or brokerage accounts.
- Cover health insurance premiums outside of employer-sponsored plans.

6. Generational Wealth Planning

Build a family legacy by:
- Purchasing life insurance or real estate assets.
- Contributing to trust funds or custodial accounts for children.
- Supporting elder care or multigenerational housing upgrades.

7. Global Travel & Lifestyle Design

Turn predictable expense savings into:
- Annual family vacations or sabbaticals.
- Short-term relocations or working remotely abroad.
- Bucket list experiences funded by money that once went to bills.

Frequently Asked Questions

What is CrowdPays™?

CrowdPay™ Inc., doing business as CrowdPays™, is a Financial Technology Company (NAICS 522320) providing concierge-style Daily Money Management services through our proprietary SaaS platform. As a NeoBank lite financial services provider, we automate household bill payments through FDIC®-insured partner banks (NMLS & NeoBank Pending) using their regulated money-transmitter infrastructure.

Think of us like PayPal, but for borrowing and paying your bills. Just as PayPal streamlines payments and transfers, CrowdPays™ simplifies your monthly expenses by managing your money and lending the difference needed to cover your bills reliably and efficiently.

How Did CrowdPay™ come about?

In 1994, the founder Karriem Ali wanted to show hard-working American households a better way to execute their budget. One that when used, would generate an instant savings for the household on the total out-of-pocket for everyday household bills and expenses. It was not until 2018 did the digital technology become available for us to help individual households on a UX (User Experience) platform. So CrowdPay™ was born.

What is Crowd Paying?

Crowd Paying – is where clients make weekly deposits to collectively pay their household and lifestyle bills. This system operates similarly to traditional banks by leveraging volume deposits. Here’s how it works and its benefits:

1. Volume Deposits: Just like banks, we at CrowdPay™, Inc., generate revenue from the volume of deposits. The more households that join and make weekly deposits, the greater the savings we can pass on to our clients.

2. Weekly Deposits for Monthly Bill Payment: Clients make weekly deposits, which are pooled together to cover their monthly bills. This ensures all bills are paid in full and on time.

3. Long-Term Savings: The longer a client stays with CrowdPay™ and allows us to manage their bill payments, the smaller their required weekly deposits become over time. This incremental reduction in deposits happens while still ensuring 100% of their bills are paid in full and on time.

What is the benefit of CrowdPays™ Paying Your Bills?

Convenience! | Stress Relief! | Peace of Mind!

While you do a great job paying your bills, having a CrowdPays Bill Pay Account has its privileges. When we collect money from you and begin depositing into your MyPENY™CrowdPays Bill Pay account, our company receives a subsidy/dividend that we can share with you as a tax-free dividend you allowing us to pay your household bills and expenses. Sustainability is dependent on the number of households using Crowdpays. The larger the group, the more of your expenses we can support.

Benefits:

Financial Efficiency: By pooling resources, clients benefit from reduced overall costs.
Guaranteed Payments: Clients enjoy peace of mind knowing their bills are consistently paid on time, regardless of the decreasing weekly deposits.
Incremental Savings: Clients see increasing savings the longer they participate in the system, promoting financial stability and reducing financial stress.

Opening a Bill Pay Account Account with CrowdPays™ not only ensures your bills are managed efficiently but also maximizes your savings through collective financial power.

So, the answer is simple. No matter how you are at budgeting, good or bad, using CrowdPays™ will place a minimum of an extra $250/month in your pocket for 90 days, and increase that amount to a minimum of $400/m0.; thereby increasing until we reach 50% of your total household expenses.

How CrowdPays™ Make It Happen?

Its simple, as a FinTech Banking Services Provider, we rely on volume bill pay deposits to maintain a viable business model. The more households making bill pay deposits to CrowdPays™ for monthly bills, and lifestyle expenses, the more savings we can extend to our end user.

From our individual user to our “Tell a Friend” Affiliate Plan, all numbers add up to allow for a Crowd Paying Platform. Because of our crowd platform, we are able to provide you a scenario where we ask you for a lower and lower weekly deposit, while still covering all bills and expenses.

What are the requirements? Where do I start?

Our requirements are simple:

Monthly Bills Minimum – Minimum Net Household Expenses: $4,000/mo.
Financial Stability – Must be able to afford weekly deposits for bill pay (Example $1,000/week)
Age – Minimum age is 25, Maximum age is 65 years.

Testimonials

My household expenses total $4,082 per month. I joined in January 2021, initially depositing $1,021 weekly into my Expense Account to cover bills. By January 2025, I will max out at 50% of my expenses, depositing only $510 per week—meaning CrowdPays™ pays the remainder. My bills are all paid in full. CrowdPays™ will free up $2,041 per month, and my financial advisor is very pleased with my progress. A. Cozart

My household expenses total $7,660 per month. Since joining in October 2024, I started by depositing $1,915 weekly into my Expense Account to cover bills. By June 2025, my weekly deposit will drop to $1,628—meaning CrowdPays™ pays the difference to guarantee my expenses are paid in full. This generates a $1,148 monthly lending credit that continues to grow thanks to the Bill-Pay Payout Dividend. K. Campbell

Our household expenses total $4,800 per month. When we joined in March 2024, we deposited $1,200 weekly into our Expense Account to cover bills. By June 2025, we’re only depositing $879 per week — meaning CrowdPays™ pays the difference to cover the rest of our expenses. L. Byrd

Our household expenses total $5,565 per month. When we joined in January 2021, we deposited $1,391 weekly into our Expense Account to cover bills. By January 2025, we’ll only need to deposit $696 per week—meaning CrowdPays™ pays the remainder. My bills are all paid in full. CrowdPays™ freed up $2,990 per month, letting us keep more cash in hand without extra loan payments. C. Blue

My household expenses total $6,200 per month. When I joined in March 2023, I deposited $1,551 weekly into my Expense Account for bill pay. After referring 4 people, my weekly deposit dropped to $861—with CrowdPays™ paying my full expenses. CrowdPays™ has freed up $2,967 per month for me to invest or spend as I choose. B. Webster

My household expenses total $3,800 per month. I joined in May 2020, initially depositing $950 weekly into my Expense Account. Since June 2023, I’ve been depositing just $511 per week—covering only 50% of my expenses—while CrowdPays™ pays the remainder. My bills are all paid in full. This has allowed me to consistently free up $2,042 per month for the past year and a half. T. Holt

About Us

Not Financial Advice... Financial Freedom.

It’s been our experience that people don’t listen to financial advice because they believe they are not in a financial position to follow the given instructions. So we don’t offer Financial Advice. Instead, we provide real-life Financial Freedom.

It All Starts with Managing the Money You Spend!

At CrowdPays™, we want to give working families spending under $20,000/month in household expenses…

A Financial Leg Up!

Using our signature software, CrowdPays™ we are able to Split the cost of monthly household expenses for just about any working household in the United States.

All of your bills in one place: CrowdPays™ manages your money so you don't have to. It is an FDIC® Insured automated Concierge

Maximum flexability: We pay anyone. From your gardener to your credit card bill. Tell us who, when and how much.

Bills are paid on-time, no late fees: Alerts notify you of impending due dates. Alerts you when a bill has been paid.

Safe and Secure: All information sent to and from the CrowdPays™ is encrypted and sent through a secure Internet connection.

Legal Disclosure

Disclosure:
CrowdPay™ Inc., doing business as CrowdPays™, is a Financial Technology Company (NAICS 522320) providing concierge-style Daily Money Management services through our proprietary SaaS platform. As a NeoBank financial services provider, we automate household bill payments through FDIC®-insured partner banks (NMLS & NeoBank Pending) using their regulated money-transmitter infrastructure.

CrowdPays™ operates strictly as a bill pay concierge. We manage and pool client-directed deposits into internal, user-named Expense Accounts, which exist solely to pay client-authorized recurring obligations—such as rent, utilities, insurance, subscriptions, and other household bills. We are not a bank, lender, investment firm, or issuer of securities. We do not provide personal loans, advances, credit lines, or cash disbursements to clients.

No funds are transferred directly to clients. All deposits are applied exclusively to the services selected by the client, ensuring timely and accurate payment of their household obligations.

About the “100-Month Cost of Living Payout™” Structure

The 100-Month Cost of Living Payout™ describes the long-term economic benefit clients receive through reduced weekly deposit requirements while maintaining 100% fulfillment of their monthly household expenses through the CrowdPays™ Financial Freedom Network.

This payout is not a loan, credit product, advance, or disbursement. Instead, it is an internal, non-cash benefit made possible by operational efficiencies, pooled bill pay velocity, member participation, and earned platform credits.

Under this structure:

Clients make scheduled deposits into their CrowdPays™ Expense Account;
CrowdPays™ pays their actual household bills using the client’s deposits;
Internal credits—such as the Bill Pay Return Dividend (BPRD) or referral credits—offset the client’s future weekly deposit requirements;
These offsets function as a payout applied internally, reducing the client’s cost of living over time without creating debt, tax liability, or repayment obligations.

The result is a predictable, long-duration reduction in required deposits—equivalent to a 100-Month Cost of Living Payout™ provided through our NeoBank Lite™ system of automated bill-flow management.

About BPRD (Bill Pay Return Dividend)

The BPRD is a non-taxable, internal dividend credit earned after 90 days of uninterrupted service. It begins at 10% of monthly household expenses and increases by 1.25% monthly for 36 months. All BPRD credits are applied inside the Expense Account to reduce future weekly deposit requirements.

BPRD is a return-of-service benefit—not a yield, interest, cash loan, or investment return.

For qualifying clients who participate in user experience feedback, an optional $250/month internal service credit may be applied for 12 months following the 90-day period. This credit is applied toward future deposit requirements and is not paid directly to clients.

Compliance and Banking

CrowdPays™ follows all applicable KYC (Know Your Customer) and AML (Anti-Money Laundering) requirements.
Our operational structure complies with payment processor, neobank, and money transmitter rules.

CrowdPays™ does not initiate withdrawals from client accounts; all deposits are client-initiated.
All payments are made through commercial business accounts maintained at FDIC® trusted banks.
Clients incur no debt to CrowdPays™, and no funds are distributed directly to clients at any time.
All savings, offsets, and retained value originate from internal efficiencies and earned credits—not from lending or investment activity.

CrowdPays™ does not offer investment advice or manage investment portfolios. All investment decisions remain with the member. CrowdPays™ may contribute to member-directed plans only as outlined in our internal credit schedule.

Contact and Support

Each CrowdPays™ member is assigned a dedicated U.S.-based Account Manager. All communication is available through phone, text, or Zoom®. No computer is required to use our platform.