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Pleasant Grove, UT

Delivering a digital banking platform that enforces envelope budgeting in real time to reduce financial stress.

• Patented technology: Transaction-level authorization enforces spending plans at the point of sale.
• Proactive model: Turns the bank account itself into a real-time budgeting tool for mindful spending.
• Growing traction: Thousands of active accounts and rising recurring revenue achieved with minimal marketing spend.
• Strategic channels: Partnerships with employers, churches, and counseling firms expand reach at low acquisition cost.
• Experienced leadership: Founders bring decades of expertise in finance, compliance, and scalable technology.

Qube Money is a digital banking platform that embeds proactive budgeting guidance directly into every transaction. Instead of tracking purchases after the fact, users allocate funds into digital envelopes called qubes and must approve each payment from its designated category, promoting mindful spending aligned with personal values. The company is seeking capital to enhance its patented transaction-level authorization technology, refine an AI engine that generates tailored spending plans, and extend marketing initiatives to reach new subscribers within the fast-growing mindful banking segment.

Funding will also support operational scaling with additional compliance, customer support, and product staff required to meet growing demand for real-time money coaching. By deepening integrations with debit card processors and adding features such as joint accounts and automated goal saving, Qube Money aims to become the preferred platform for the millions of Americans who want greater control and less anxiety around daily finances. The long-term objective is to build a sustainable, subscription-driven business that empowers households to spend intentionally, reduce stress, and achieve lasting financial wellness.

Company Info

Qube Money provides a banking app with category-based spending controls that guide users in real time and monetize through interchange and subscriptions.

Qube Money is a mobile-first digital banking platform that embeds envelope style budgeting directly into a user’s bank account, replacing traditional post-transaction tracking with proactive spending controls. Customers divide funds into category specific “qubes” and activate a debit card purchase by selecting the relevant qube, so each transaction is authorized only if money is available in that category. This patented transaction-level authorization links real-time account balances with spending intent, providing immediate feedback and visibility over groceries, fuel, bills, and discretionary expenses. The system is delivered through iOS, Android, and web apps connected to an FDIC insured banking partner.

Beyond consumer budgeting, the company is developing AI features that auto-generate spending plans and adjust qube allocations based on historical patterns. Revenue is earned from interchange on card transactions and tiered subscription fees, which together were producing roughly one hundred seventy-five thousand dollars in monthly recurring revenue in early 2025. As of mid-2025 the service manages more than nineteen thousand funded accounts and processes about twelve and a half million dollars in monthly card volume. Distribution channels include direct-to-consumer downloads and partnerships with employers, faith-based organizations, and credit counseling agencies seeking financial wellness tools for their members.