CrowdPay™ Inc., would like to split your household budget with you 50/50.

Our Extreme Money Management System uses group deposits from thousands of clients to cover from 10%, up to 50% of your monthly expenses because of our Velocity of Money system. Now, the same money you currently use to pay bills and expenses will begin working for you to lower your cost of living. It’s Time to CrowdPay™ Your Bills.

Just open a CrowdPays™ Expense Account, list your expenses, add your money, and we’ll pay them all—on time and in full— Over time, we will ask you to deposit less and less money while still covering 100% of your expenses.  That means fewer apps, fewer worries, —without missing a single payment. It’s not a budget. It’s peace of mind.

How It Works: When you use our daily money management service and deposit your monthly household expenses into a CrowdPays™ High Yield Expense Account, we start working to stretch every dollar. During your first 90 days, you’ll deposit the full amount. After that, we apply a monthly credits called the BPRD (Bill-Pay Return Dividend), which reduces how much you need to deposit—by 10% to start. That means instead of paying 100% of your expenses, you only need to deposit 90%, while we still cover the full amount. Each month, that required deposit keeps shrinking as your credits grow. Over time, your household may only need to deposit 50% of its expenses—while we cover the rest.  How is that possible? It’s all about timing and scale. We manage the flow of money across all participating households, paying bills efficiently and strategically. The secret is our “Velocity of Money” system. This generates enough value to reduce how much each household has to put in—without depending on risky markets. It’s not investing. It’s smarter bill pay.

“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 June 2025, we’re down to depositing just $879 per week, with CrowdPays™ covering the difference.” L. Byrd

CrowdPays™ Is For Everyone…

How We Help You Save More—Without Changing a Single Bill

It’s the Power of Circulation—Not Investment. Velocity of Money.

Most people don’t realize: the money you set aside for bills has value before it’s spent. While traditional banks quietly profit off your deposits by sitting on them, we put that money to work for you.

At CrowdPays™, we use the natural flow of money—how fast it moves between people and payments—to stretch your dollars and reduce what you owe each month. No investing. Just smart saving through motion.

Here’s how it works:

✅ Built-In Bill Relief – Your weekly deposits go straight toward paying your household bills—but they also join a high-speed system that multiplies your savings behind the scenes.

✅ Monthly Savings Credits – With your MyPENY™ High-Yield Expense Account, you earn a monthly return called a BPRD—Bill-Pay Return Dividend—starting at 10% and growing to 50%. That means smaller deposits over time, while still paying 100% of your bills.

✅ Stress-Free Saving – You’re not “investing”—you’re simply using money you were already going to spend, in a smarter way. No stock markets. No risk. Just a better way to manage your bills.

It’s not an investment strategy.
It’s a savings system.
It’s not risky.
It’s reliable.
It’s CrowdPays™.

And it’s how we help your money go further—without asking you to spend more.

✅ Pros – Why It Works for Savers

1️⃣ Easy to Start
No new spending required. Just 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 Monthly Savings
After your first 90 days, your weekly deposits start to shrink—automatically. Your account begins earning monthly return credits that reduce how much you need to deposit by 10%. Each month after, your deposits are lowered by an extra 1.25%, up to a guaranteed 50% savings.

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 Bills
Since CrowdPays™ is based on managing your household expenses, your monthly bill total sets the maximum amount you can deposit.

2️⃣ It’s a Reduction, Not a Payout
Instead of paying you extra money, CrowdPays™ reduces how much we ask from you each week. The benefit shows up as smaller required deposits—not compounding interest.

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 system stable and ensures you receive the full savings benefit.

Your Expense Account Comes With:

  • ✅ Secure Login Access
    Manage your account, view balances, and track savings online anytime.

  • ✅ Your Own MyPENY™ High-Yield Expense Account
    Assigned with a unique Member Account number for easy tracking and deposits.

  • ✅ Automatically Decreasing Weekly Deposits
    Your Bill-Pay Return Dividends (BPRDs) reduce the amount you need to deposit each month—starting at 10% and growing to 50%.

  • ✅ Bill Payment Tracking
    Get real-time reports showing what bills have been paid, when they were paid, and the total amounts.

  • ✅ Discretionary Spending Reports
    See exactly how much has been sent to your personal debit card for lifestyle or non-bill expenses.

  • ✅ Affiliate Dashboard
    Easily share your referral link and see:
    → How many referrals you’ve earned
    → How close you are to full coverage of your bills through CrowdPay savings

  • ✅ 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.

Imagine This:

A world where paying your bills doesn’t just cover expenses—
It steadily lowers your cost of living.
All because you chose to pay your bills through a system that rewards smart saving.
That’s what happens when your money flows through a BPRD-powered account.

Estimate by Graph

“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 June 2025, my weekly deposit will drop to $1,628, with CrowdPays™ covering the difference. Using CrowdPays™ will generate a $1,148/mo. return, 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’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 CrowdPay™ instantly delivers a guaranteed reduction in your monthly out-of-pocket cost of living. Same monthly expenses, same budget, same income — but more cash stays in your pocket every month, thanks to your growing financial return.

Thrive:

Pool your bill pay money with other CrowdPayers for volume-based results.

Traditional banks quietly profit off your money by holding onto your deposits, delaying payments, and earning interest before your bills are even paid.

At CrowdPay™, we do the opposite. We use 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 system built around thousands of households like yours. This steady, high-speed movement generates real value behind the scenes.

That value is what powers your Bill-Pay Return Dividend (BPRD) each month—not through risky investments, but through smarter savings 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 savings, not speculation.
It’s how CrowdPay™ helps reduce your cost of living—week after week.

“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

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.

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.

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.

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., dba CrowdPays™ is a Financial Technology Company focusing on personal accounting services operating as a Daily Money Manager.  CrowdPay, Inc., is 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. CrowdPay Inc., dba CrowdPays “The Extreme Money Management Platform.” 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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