(*Proceeds disbursed over 96 months)
Crowdpays taps into community-powered lending from thousands of members to cover from 10% to 50% of your monthly expenses. It’s time to CrowdPay™ Your Life!
Just open a CrowdPays™ Electronic Bill Pay Expense Account, list your expenses onto the platform, make your deposits to your account, and our bill pay system will cover them all—on time and in full. From the start, the network begins lending towards your bill pay expense account. Over time, as your loan proceeds increase, you’ll be asked to deposit less while we continue guaranteeing 100% of your expenses. That means more cash flow for you—without missing a single payment. This isn’t a budget. It’s a cash flow network about to make you rich!
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™ is lending us the difference to cover the rest of our expenses. L. Byrd
It’s the Power of Circulation—Not Investment. Velocity of Money.
Most people don’t realize: the money you allocate for bills holds value before it’s spent. While traditional banks profit quietly by holding your deposits, CrowdPays™ leverages this money by pooling it with community loans to fund your expenses—so your money works harder for you.
At CrowdPays™, we harness the natural flow of money—how fast it moves between households and payments—to multiply the lending power behind your deposits. This reduces the amount you need to contribute each month, guaranteeing your essential expenses are covered. No risky investments. Just smart, community-powered lending.
Here’s how it works:
✅ Built-In Lending Support – Your weekly deposits fund your household bills directly, while joining a high-speed cash flow network that amplifies your savings behind the scenes.
✅ Monthly Lending Credits – With your MyPENY™ High-Yield Expense Account, you earn monthly credits called BPRD—Bill-Pay Return Dividend—starting at 10% and growing to 50%. This means you contribute less over time, while the cash flow network guarantees your bills are paid in full.
✅ Stress-Free Saving – You’re not investing—you’re borrowing smarter. Using the money you were already going to spend, combined with community lending, to lower your costs. No stock markets. No risk. Just reliable lending power, managing your expenses.
It’s not an investment strategy.
It’s a cash flow network.
It’s not risky.
It’s guaranteed coverage.
It’s CrowdPays™.
And it’s how we help your money go further—without asking you to spend more.
✅ Pros – Why It Works for Borrowers
1️⃣ Easy to Start
No new spending required. Simply sign up and begin making weekly deposits equal to your current monthly expenses—things you already pay like rent, utilities, phone, groceries, and more.
2️⃣ Built-In Lending Credits
After your first 90 days, your weekly deposits begin to shrink automatically. Your account starts earning monthly return credits called BPRDs—Bill-Pay Return Dividends—that reduce how much you need to contribute by 10%. Each month after, your required deposits decrease by an additional 1.25%, up to a guaranteed 50% reduction.
3️⃣ More Cash Left Over, Month After Month
As your required deposits drop, you keep more of your own money—freeing up extra cash to save, handle emergencies, or put toward your personal goals.
⚠️ Things to Know – So There Are No Surprises
1️⃣ Your Savings Are Tied to Your Expenses
Since CrowdPays™ is based on community lending toward your household expenses, your monthly bill total sets the maximum amount you can deposit.
2️⃣ It’s a Deposit Reduction, Not a Payout
Instead of paying you money directly, CrowdPays™ reduces how much we ask from you each week. The benefit shows up as smaller required deposits—not as interest or payouts.
3️⃣ Consistent Use Is Required
To unlock your Bill-Pay Return Dividends (BPRDs), you must actively use the service for 90 consecutive days. This keeps the cash flow network stable and ensures you receive the full savings benefit.
✅ Secure Login Access
Manage your account, view balances, and track lending credits online anytime.
✅ Your Own MyPENY™ High-Yield Expense Account
Assigned a unique Member Account number to track your contributions and lending credits.
✅ Automatically Decreasing Weekly Deposits
Your Bill-Pay Return Dividends (BPRDs) represent lending credits that reduce how much you need to deposit—starting at 10% and growing to 50%.
✅ Bill Payment Tracking
Get real-time reports showing what bills have been paid, when, and for how much—guaranteed by the cash flow network.
✅ Discretionary Spending Reports
See exactly how much has been sent to your debit card for lifestyle or non-bill expenses.
✅ Affiliate Dashboard
Easily share your referral link and see:
→ How many referrals you earned
→ How close you are to full coverage of your bills through CrowdPays lending credits
✅ Debt Payoff & Financial Planning Tools
Simple calculators and trackers to help you stay on top of your financial goals.
✅ (Optional) Investor Tools
For those who want to explore what to do after they’ve freed up cash, from budgeting extras to starting a business.
A world where paying your bills doesn’t just cover expenses—
It steadily lowers your cost of living.
All because you chose to borrow through a system that rewards smarter money management.
That’s what happens when your money flows through a BPRD-powered lending account.
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™ is lending 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 Return Dividend. K. Campbell
We Know, we know…
You’re used to paying your own bills. It feels comfortable, and you trust your current process. You might think you don’t need help.
That is—until you discover that CrowdPays™ instantly provides guaranteed lending support to reduce your monthly out-of-pocket expenses. Same monthly bills, same budget, same income—but thanks to the community cash flow network, more cash stays in your pocket every month through your growing lending credits.
Traditional banks quietly profit off your money by holding onto your deposits, delaying payments, and earning interest before your bills are even paid.
At CrowdPays™, we do the opposite. We harness the natural flow of money—called the velocity of float—to benefit you, not the bank.
By collecting your weekly deposits and carefully timing your bill payments, we keep your money moving—circulating through a cash flow network built around thousands of households like yours. This steady, high-speed movement generates real lending power behind the scenes.
That lending power is what funds your Bill-Pay Return Dividend (BPRD) each month—not through risky investments, but through smarter lending and faster circulation. No markets. No volatility. Just a better way to pay bills and keep more of your money.
It’s motion, not magic.
It’s lending, not speculation.
It’s how CrowdPays™ helps reduce your cost of living—week after week.
The larger “your” Crowd, the less money we require from you to pay your bills.
If you are the type of individual that has a solid network, you can immediately benefit from our affiliate plan. Each friend you refer that makes the switch from their current money management ideas to CrowdPays™, reduces your “out of pocket” cost of living by an $250 per month. So, if your monthly household expenses are $4,000/mo., referring two (2) friends will only allow us to collect $3,500/month from you for bill pay while still covering 100% of your expenses in-full and on-time. You can go all the way to zero out of pocket for your monthly expenses.
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™ is lending the rest to cover our full expenses. CrowdPays™ freed up $2,990 per month, letting us keep more cash in hand without extra loan payments. C. Blue
Any W2 Employee
Anyone
Anyone
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™ is lending the rest to cover all my bills. CrowdPays™ will free up $2,041 per month, and my financial advisor is very pleased with my progress. A. Cozart
Mortgage/Rent, 2nd Mortgage, Vehicle Loans, Credit Cards, Student Loans, Furniture Loans, Personal Loans, Lines of Credit, Investments, Child Support…
Any Debt
Electricity Bills, Natural Gas Bills, Cell Phone Bills, Legal Bills, Vehicle Insurance, Life Insurance, Health Insurance, Water Bills, Sewer Bills, Property Taxes, Homeowners Insurance, Streaming Bills, Cable Bills, Internet Services, Gym Bills,
Any Utility Bill…
Vehicle Gasoline, Groceries, Religious, Trips/Vacations, Cosmetic/Barber/Salon, Dry Cleaners, Entertainment, Shopping
Other Miscellaneous Items…
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™ lends the rest to pay all my bills in full. This has allowed me to consistently free up $2,042 per month for the past year and a half. T. Holt
Remember: We only manage the money you spend. If you make more than your expenses, we do not ask you to place your extra money, or savings into the MyPENY™ Account.
CrowdPays™ is an Artificial Intelligence-powered Bill Pay and Money Management platform that acts as a borrowing network designed to optimize how your household spends each month. Built as a CBDC (Central Bank Digital Currency)–ready online “Payments as a Service” (PaaS) portal, CrowdPays™ lets you securely enter your total household expenses, account details, and due dates — then guarantees your bills are paid in full and on time by lending toward your monthly expenses.
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.
A Basic Universal Income Credit (BUIC), as it applies to CrowdPays™, is a financial benefit that offsets household expenses through a structured dividend system. Instead of requiring users to fully fund their expense accounts each month, CrowdPays™ systematically reduces the amount they need to deposit while still covering 100% of their bills.
This makes BUICs a revolutionary new financial tool, offering a guaranteed reduction in living costs while ensuring all bills are paid in full and on time.
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.
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.
Convenience! | Stress Relief! | Peace of Mind!
While you do a great job paying your bills, having a MyPENY™ Account has its privileges. When we collect money from you and begin depositing money into your MyPENY™ Account to cover your monthly expenses, not only are we paying your bills based on your budget, but our business model affords our company a subsidy/dividend that we can share with you as a tax-free dividend for you giving us the opportunity to pay your household bills and expenses.
Benefits:
Opening a MyPENY™ 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.
The CrowdPay™ Tell a Friend Affiliate Program gives you the opportunity for True Financial Freedom.
We have the perfect system in place that will allow you to cover 100% of your household expenses by referring people open a MyPENY™ Account. CrowdPay™ will pay you $250/mo. (up to $20,000 per month) for each household you refer to CrowdPay™ for as long as your referral remains with CrowdPay™.
For instance: If you are spending $5,500/mo. on your household expenses and total lifestyle, you would need 22 referrals to cover the cost of your monthly expenses. At that point, your check would be enough to pay 100% of your total monthly expenses for as long as your referrals remained enrolled in our program.
All you have to do is Pay Your Bills using CrowdPay™, refer enough households, and You Will Be Financially Free!
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.
Our requirements are simple:
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™ lending the rest to cover my full expenses. CrowdPays™ has freed up $2,967 per month for me to invest or spend as I choose. B. Webster
If your household expenses are $3,500 per month, referring just 2 households means CrowdPays™ will only collect $3,000 from you—your crowd dividend covers the remaining $500!
The larger your crowd, the less you pay each month.
Your Guaranteed Dividend is Capped at 100% of Amount of Your Monthly Bills & Expenses. Use the calculator below to find out how many referrals it takes for your dividend to cover 100% of your household bills. Link
You allow all of your monthly household and lifestyle expenses to be paid on time and in full using the CrowdPays™ automated bill pay system.
Each week, we Draft a discounted amount of expense money from your bank and use it to pay all of your monthly household bills and expenses in full, and on time just like normal.
Each month, we request less from you while still covering 100% of your expenses. Your deposit goes into our platform, ensuring all bills are paid in full and on time.
Families using the CrowdPays™ Automated Bill Pay Platform can earn $250/mo. for each new enrollment through our “Tell A Friend” Affiliate program. For example, if your total household expenses are $3,500 per month, referring 14 people will enable your MyPENY™ Account to cover 100% of your monthly expenses without you having to spend any of your hard earned money.
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.
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.
Disclosure: “A Beautiful Loan™” – Explained
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. We specialize in automating household bill payments via FDIC®-insured partner banks and regulated money transmitter pathways. (NMLS Pending)
CrowdPays™ operates as a Cash Flow Network that lends toward your household expenses by managing and pooling client deposits within internal, user-named Expense Accounts. We are not a traditional lender, investment firm, or issuer of securities, and we do not provide personal loans or consumer credit. All funds are held and applied exclusively within these Expense Accounts to service client-authorized obligations—such as rent, utilities, insurance, subscriptions, and other recurring bills. These accounts exist solely to facilitate our automated bill payment service, ensuring timely disbursement on behalf of the client.
The term “Beautiful Loan™” describes the economic benefit clients receive by reducing their weekly required deposits over time, while still enjoying 100% fulfillment of their monthly household obligations through the CrowdPays™ Cash Flow Network.
Instead of a traditional cash loan or credit line:
Clients make scheduled deposits into their CrowdPays™ Expense Account;
CrowdPays™ uses pooled funds and lending credits to pay their actual household bills;
Over time, through Bill-Pay Return Dividend (BPRD) rewards and/or referral participation, the weekly required deposit decreases;
This reduction enables clients to retain thousands of dollars monthly, effectively simulating a non-repayable, interest-free borrowing benefit—a “Beautiful Loan™” with no debt or repayment obligation.
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% each month for 36 months. This reward is credited directly into the client’s internal Expense Account, offsetting future weekly deposit requirements. BPRD is a return-of-service benefit, not an investment yield or cash loan.
For qualifying clients participating in user experience feedback, an optional $250/month cash credit is available for 12 months following the 90-day period.
CrowdPays™ adheres to all applicable KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations.
Our operations comply with payment processor, neobank, and money transmitter requirements.
CrowdPays™ does not initiate withdrawals from client bank accounts; all deposits are client-initiated.
All payments are made through commercial business accounts maintained at Truist® Bank, Member FDIC®.
Clients incur no traditional debt to CrowdPays™, and no funds are transferred directly to clients. All transactions operate on a service-for-service basis, with savings and retained value resulting from operational efficiencies and earned dividends, not conventional lending.
Every CrowdPays™ client is assigned a dedicated U.S.-based Account Manager. Communications are handled via phone, text, or Zoom®. Use of a computer is not required to benefit from our platform.
© 1994–2025 CrowdPay™ Inc. All Rights Reserved. MyPENY™ is a trademark owned by CrowdPay™ Inc.