Don’t Like Paying Bills?

“CrowdPays™ takes over your entire household budget—paying every expense for you—while cutting your monthly cost of living by up to 50%.  Open a High-Yield Expense Account with us and let the savings begin.“

“No more trying to figure out the best way to save. This is It.”

As you deposit funds into your expense account for bill pay, CrowdPays™ adds a non-taxable dividend starting at 10%/month and climbing by an additional 1.25%/month to offset your deposits into your expense account.  This immediately converts the money used to spend on your monthly expenses into a savings for you. Now, you can easily contribute towards your financial future on just the money you already make. It’s Time to CrowdPay™ Your Bills. CrowdPay™ Inc., dba CrowdPays™ is a Financial Technology company. CrowdPays is listed as a money transmitter (NMLS Pending) that specializes in bill payment processing in partnership with multiple FDIC® Insured banking institutions for the sole purpose of concierge bill pay services. NAICS 522320. As you deposit funds into your expense account for concierge bill pay, the expense account earns a tax-free monthly dividend starting at 10% and growing to 50%; automatically reducing what you need to deposit for the next month’s bill pay. 
See Your Numbers

“Our household expenses total $4,800 per month. When we joined in March 2024, we started with depositing $1,200 weekly into our Expense Account for bill pay. By December 2024, we’re down to depositing just $962 per week, with CrowdPays™ covering the difference. We are now investing $1,023.40 /month into our investments” L. Byrd

CrowdPays™ Is For Everyone…

A. When you pay your household expenses from a MyPENY™ High Yield Expense Account,

…you turn the routine act of paying bills into a powerful financial advantage:

✅ Effortless Automation: Let MyPENY™ take the hassle out of managing household expenses by automating your bill payments and watch as your savings grow month by month.

✅ Guaranteed Savings & Income Credits: Your expense account earns a tax-free monthly dividend starting at 10% and growing to 50% over time, reducing what you need to deposit for future bills—this reduction is provided through Basic Universal Income Credits (BUICs), ensuring your cost of living decreases over time.

✅ Accessible Wealth-Building: No large deposits or extra income required, just bill money—MyPENY™ works with the money you already plan to spend on bills, expenses, and your lifestyle.

Whether you’re focused on creating more room in your budget for investing, simplifying your finances, or achieving greater peace of mind, a MyPENY™ High-Yield Expense Account with BUICs is the ultimate solution.

B. The MyPENY™ Experience can be had in Three Steps

1️⃣ Open Your Account: Sign up today and deposit what you already spend on your monthly bills—rent, utilities, groceries, and more—on a weekly basis.

2️⃣ Grow Your Savings with BUICs: After 90 days, your expense account will require 10% less from you for your weekly bill pay deposits. Each month thereafter, Basic Universal Income Credits (BUICs) reduce your required deposits by 1.25% per month, up to a maximum of 50%.

3️⃣ Reap the Benefits: With your deposits decreasing over time, you now have more cash at the end of the month to devote to other financial goals like investing in stocks, crypto, or starting a business.

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C. Your Expense Account comes with:

  • • Username and Login Access
  • • A MyPENY™ Expense Account with your Dividend Account number
  • • Month-to-Month Decreasing Expense Account Deposits, powered by Basic Universal Income Credits (BUICs)
  • • Reports on which bills have been paid, when they were paid, and the total paid to those expenses
  • • Reports on discretionary deposits made to your bank for your discretionary spending.
  • • Access to you Tell a Friend Affiliate panel
    • → See how many referrals you already have.
    • → See how many referrals you need to be financially free of bill payments
  • • Investor Tools
  • • Debt Pay Off Tools

Imagine a world where paying your monthly bills not only took care of your expenses but also “made you rich” with Basic Universal Income Credits lowering your cost of living over time.

Log In

“My household expenses total $7,660 per month. I joined in October 2024, depositing $1,915 weekly into my Expense Account for bill pay. Starting January 2025, my weekly deposit will drop to $1,724, with CrowdPays™ covering the difference. Using CrowdPays™ will free up $766 each month initially, and that amount will continue to grow thanks to the dividend.” K. Campbell

Changing the Way Your Bills Are Paid…

Adapt:

Switch From Your Old Bill Pay Methods

We Know, we know…

You are fine paying your own bills. It’s comfortable for you.  You trust the methods you are already using. And you don’t need any help.

That is… until you find out Crowd Paying your bills instantly reduces your monthly “Out of Pocket” Cost-Of-Living by a substantial amount. Same Monthly Expenses, Same Budget, Same Income…. More Cash for you at the end of the month!

Thrive:

Pool your bill pay money with other CrowdPayers for volume savings.

At CrowdPays™, we generate revenue from deposit volumes, similar to any bank. As more households join and make weekly deposits, we pass on greater savings to our clients. We simplify your finances by consolidating all your monthly bills and expenses into a single, manageable weekly deposit that ensures full monthly expense coverage. Over time, you’ll contribute less each week while still maintaining 100% coverage of your expenses. Your deposits are processed through our bill pay platform, guaranteeing that your bills are paid in full and on time. Partnering with FDIC® insured institutions, you can rely on our secure and efficient bill pay process to handle your household bills with ease.

“Tell A Friend” – Affiliate Program

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 were depositing $1,391 weekly into our Expense Account for bill pay. By January 2025, we’ll be depositing just $696 per week to cover all our expenses. CrowdPay™ freed up $2,990 per month, and we’ve been investing the difference for the past three years.” C. Blue

Our 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

“My household expenses total $4,082 per month. I joined in January 2021.   I was depositing $1,021 weekly into my Expense Account for bill pay. In January 2025, I will max out at 50% expenses and only be depositing just $510 per week to cover all my expenses. Crowdpays™ will free up $2,041 per month my financial advisor is very pleased with my progress” A. Cozart

The Different Categories of Expenses We Pay

Debt:

Mortgage/Rent, 2nd Mortgage, Vehicle Loans, Credit Cards, Student Loans, Furniture Loans, Personal Loans, Lines of Credit, Investments, Child Support…

Any Debt

Utilities:

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…

Discretionary:

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 paying only 50% of my expenses, depositing just $511 per week to cover everything. This has allowed me to save an additional $2,042 per month consistently for the past year and a half.” T. Holt

Getting Started with CrowdPay™ is Easy

  1. Enter your budget into the calculator. Link
  2. After your phone interview, complete your BillPay Application & Agreement and set your secure login information. Link
  3. Log in and enter the details of your household budget into the CrowdPays™ Platform—who to pay, when, and how much.
  4. CrowdPays™ will streamline your expenses into one simple weekly deposit into your bill pay Account with our bank, and we’ll handle the rest, paying your bills on time.
  5. After a 90-day introductory period, your MyPENY™ Expense Account dividend return will start at 10% of your expenses/month. (As each new month approaches, Basic Universal Income Credits (BUICs) will increase by 1.25% each month.) This means you’ll need to place less and less cash into your MyPENY™ Expense Account to cover your expenses. Your BUIC benefits will reach 20% by month 12 and 50% by month 36.

CrowdPays™ works like a deposit agent with different banks. The money we make accepting your deposits and paying your expenses is how we can afford to offset your monthly expenses with a dividend. This allows you to keep more of your cash at the end of each month. This reduction in expenses improves your Household Economic Index (HEI), representing the percentage of your monthly cost of living that you are able to decrease. (Deposits are FDIC® Insured – through Morgan Stanley®.)

Your Part

  1. You complete the Bill Pay Agreement.
  2. Those who want to increase their dividend benefits in their MyPENY ™Account can fill out the Affiliate Agreement.
  3. We send you a username and password to your MyPENY™ Account.
    1. a). You log into your portal, and tell us who to pay, their account number, mailing address, and due date.
    2. b.) You also tell us how much you spend on discretionary and miscellaneous items.
  4. Instead of paying your bills and expenses directly, based off your interview, you make a precalculated discounted weekly deposit into your MyPENY™ High Yield Expense Account at CrowdPays™.

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.

Our Part

  1. We interview you about your income and expenses and us our algorithm to determine the amount of your weekly deposits for bill pay.
  2. Each week, after you transfer your expense money into your MyPENY™ High Yield Expense Account, our AI will begin paying all of your household bills and expenses in full, and on time just like normal.
    1. a.) If included, we can also deposit money for discretionary spending (based on the amounts you told us you spend) to the debit card(s) of your choice with amounts covering all discretionary and miscellaneous spending for your household.
See Your Numbers

Frequently Asked Questions

What is CrowdPays™?

CrowdPays™ is an Artificial Intelligence and Bill Pay Technology Tool used to manage and save the money a household spends each month.  CrowdPays™ is also a CBDC (Central Bank Digital Currency) “ready” online “Payments as a Service” (PaaS) portal where you enter your total household expenses, account numbers, addresses, and due dates so we can begin paying your expenses in full and on time.

We are like PayPal, but for paying your bills. Just as PayPal helps you manage payments and transfers easily, we simplify your monthly expenses by managing and paying your bills directly on your behalf.

What is a (BUIC)?

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.

How BUIC Works in CrowdPays™:

  1. Earned Through Participation – Users gain BUICs simply by using CrowdPays™ to pay their household expenses.
  2. Reduces Required Deposits – Each month, BUICs lower the out-of-pocket amount users need to contribute to their expense accounts.
  3. Funded by MyPENY Dividends – The system uses dividends to fulfill the weekly difference, meaning the user is essentially receiving an income credit toward their cost of living.
  4. Scalable with Referrals – More referrals lead to more BUICs, further reducing the required deposits for the user.
  5. A Private Guaranteed Income Benefit – Unlike government-funded programs, BUICs are privately generated through Crowd Saving & MyPENY, making them a sustainable alternative to traditional Universal Basic Income (UBI).

What Makes BUIC Unique?

  • Not a government handout – It’s a self-sustaining, private-sector financial benefit.
  • Directly offsets expenses – Instead of giving cash, it reduces what users need to pay.
  • Grows over time – As the system scales, users can see up to 50% of their expenses covered through BUICs.

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.

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 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:

  • 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 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.

What is the "Tell A Friend" Opportunity?

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!

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: $3,500/mo.
  • Financial Stability – Must be able to afford weekly deductions for bill pay (Example $3,500/4)
  • Age – Minimum age is 25, Maximum age is 80 years.

Testimonials

“My household expenses are $6,200 per month. When I joined in March 2023, I was depositing $1,551 weekly into the Expense Account for bill pay. I referred 4 people and now, I only deposit $861 per week, with the dividend covering the rest. CrowdPays™ has freed up $2,967 to invest or spend however I choose. B. Webster

Ask About Our “Tell A Friend” Referral Program

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

Tell a Friend Calculator

Tell A Friend Calculator

Features

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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.

See Your Numbers

Affordable weekly Expense Payments

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.

Decreasing Cost of Living

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.

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Affiliate Plan

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.

About Us

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.

See Your Numbers
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.

Are You Good at “Budgeting Your Money”

CrowdPays™ Inc. has been manually managing budgets and paying bills through expense accounts for families since 2018. 

It’s a Celebration!

We need your help testing, tuning, and improving our newest log in software platform arriving in April 2025. 

Participants will be paid a $250/mo* Cash Bonus! Deadline for participation is Wednesday, April 16th, 2025.

*(Cash Bonus is paid out at $250/mo. for 1 year)

Start Your Beta Test

Legal Disclosure

Disclosure: CrowdPay™ Inc., dba CrowdPays™ is a Financial Technology company.  The base of our services is rooted in the data compiled by our Automated Bill Pay platform CrowdPays™.  NAICS 522320: Financial Transactions Processing Company Focus: Bill Payment Processing

Description: CrowdPays listed as a financial transaction processing company that specializes in bill payment processing. We help you streamline and reduce your monthly expenses by managing and paying your bills directly on your behalf, ensuring you never miss a payment and can enjoy the benefits of crowd-sourced savings.

Automated Bill Pay Concierge Service

CrowdPays™ helps busy professionals and households who don’t want to waste their time paying bills. Our personal account managers are based in the U.S. and are always a call, email, or text away if you need help- no waiting on the phone to speak to a human.  Every client is paired with a U.S. based specially trained Account Manager. Clients can speak on the phone with their Account Manager and do not need to use a computer to benefit from the services of CrowdPays™.

¹CrowdPays™ rewards you by placing (As a dividend payment) 10% of your monthly expenses into your MyPENY™ Expense Account after your first 90-days of bill-pay.  Dividend payments into your expense account will increase by 1.25% each month thereafter for 36 months. This is a reward just because you allowed CrowdPays™ to collect from you and pay your monthly bills, and expenses on your behalf without any compromises. For those providing feedback on the user experience of our new software, *(Cash payments are disbursed at $250/mo. for 1 year after first 90-days of bill-pay).

Affiliate Plan

If you chose the “Tell A Friend” Affiliate Plan, CrowdPays™ disburses an additional $250/mo. for each person you refer that opens a MyPENY™ Account and make their weekly bill pay deposits.  For example, if your total household expenses are $3,500 per month, referring 14 people will enable CrowdPays™ to cover 100% of your monthly expenses.

All management questions and adjustments are handled via Zoom® Meetings.  CrowdPays™ has Zero access to your bank account(s).  The CrowdPays™ is a FinTech (Financial Technology) company, and not a bank, but operates as a SaaS providing bill pay services as a software.

Easy Qualification: Must be Employed salary or hourly, Military, Retired or Fixed Income, age 25 or older, Household and lifestyle expenses must be between $3,500/mo. and $20,000/mo. For the best results, you need to add as many bills and expenses as possible to our user interface platform.

Bill Pay Services are provided through our corporate accounts at Truist® Bank, Member FDIC®. See the Truist Bank Privacy Policy. MyPENY™ is owned by CrowdPays™ Inc. CrowdPays™ is a SaaS underwritten by CrowdPays™ Inc. © 1994 – 2025. All Rights Reserved.

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