Save together. Take turns. Build credit.

Money moves with your mutuals.

Save with friends for the trip, the deposit, the car. Or take turns getting the whole pot. Built for friends, and every on-time payment will build your credit.

Join the waitlist See how it works

Mutuals isn't live yet. Join the waitlist to get early access with your group.

Two ways to move money with your people

Same goal? Pot. Different timing? Turns.

Pots

Save for one goal, together.

Pick a goal and a date. Everyone adds the same amount each month, and the pot earns interest while it grows. Hit the goal, cash out, go.

Group tripsRoommate depositsFestivalsGroup gifts
Turns

Take turns getting the whole pot.

Everyone chips in each round, and one person gets it all. Round after round, until everyone's had a turn. Nobody pays more because of their turn, and your payments build credit.

First apartmentA carTuitionMoving money

How Pots work

1Pick a goal and a dateTokyo in May. A deposit by August. You set it.
2Invite your peopleFriends, roommates, teammates. Everyone verifies once.
3Chip in automaticallySame amount, same day, straight from your bank. The pot earns interest.
4Hit it togetherEveryone sees progress, so nobody falls behind quietly.

How Turns work

1Start a groupChoose the amount and how often. Say $200 each, monthly, five people.
2Get your turnOnce everyone's verified, the order is set and you see your turn and date.
3One pot per roundEveryone chips in, one person gets the whole thing. Five rounds, five pots.
4Build credit as you goKeep paying through the last round. Every on-time payment will be reported.
Swaps

Need it sooner? Swap.

Life happens. Your Turns order is set when the group starts, but it's not locked forever. Ask a friend to trade spots. If you both agree, it's done.

  1. Ask. Tap Ask to swap on a friend's turn and tell them why.
  2. They say yes. Same pot for both of you. Only the timing changes.
  3. Sign and go. You both e-sign and the new order is locked in.

Built so nobody gets left hanging.

The Safety NetIf someone misses a payment, we cover their share. Every payout lands on time, and your group never covers for anyone.
Held at a partner bankYour money will be held at a licensed partner bank, never with us or your group.
Everyone's verifiedID and selfie checks for every member, so you know who's in your group.
10-day grace periodMissed a payment? Pay it within 10 days and nothing gets reported.

Your payments finally count.

Turns payments will be reported to Equifax and TransUnion. No credit card, no debt, just paying your people on time. The check to join is soft, so it won't touch your score.

Join the waitlist

Questions, answered.

When can I start?

We're building now. Waitlist members get early access, and groups who join together get in together.

Does it cost anything?

Joining the waitlist is free. Nobody pays more because of their turn, and Pots earn interest while they grow. We'll share full pricing before launch.

How is the Turns order set?

The order is set when your group starts, after everyone's verified. You'll see your turn and payout date before your first payment. Want a different spot? Ask a friend to swap.

What if someone doesn't pay?

The Safety Net covers their share, so every payout lands on time. We follow up with them directly, not you.

Will this affect my credit score?

Joining uses a soft check, which doesn't affect your score. After that, your Turns payments will be reported: on-time payments can help, and missed ones can hurt if they aren't paid within the 10-day grace period.

Can I leave a group early?

Before you've had your turn, yes: someone takes your spot and you get back what you put in. After your turn, you keep paying until the last round, since your friends are counting on it.

Who can join?

Adults (18+, or 19+ where that's the age of majority) in [LAUNCH REGIONS] with a bank account and a government photo ID.

Your people. Your goals. Let's go.

Join the waitlist