Applicants are required to provide proof of their income for the past two years. We use it, along with demographic data, income trends, inflation rates, and an inflation-adjusted discount rate over the past 20 years, to project their future earnings.

Our statistical model provides an estimate of how much applicants are likely to earn within the next 30 years. And they are offered the opportunity to invest up to 5% of that amount in other people.

Once enough commitments are accumulated, we facilitate the deal by providing upfront funds for a management fee of 0.1% of the applicant's future earnings, which is 10x below the industry average because we also get to co-invest with you.

When the deal is about to happen, we will reach out to all of the applicants and the investee to confirm the deal. Nothing happens without explicit consent from all parties.