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What is next?
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You decide – we take action
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There are many useful features that can help you save and earn more. You know better than we do which elements in your life are more important and beneficial for you. Let us know your priorities so we could help you address them first.
We are also open to your new ideas.
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Peer-to-peer lending
Skip the middleman and borrow or lend money directly from and to other RB customers at a reasonable interest rate using RightBank P2P Platform.
Today a deposit account in a typical bank will usually earn you less than 1%. But if you are to borrow from the same bank, they will charge you a ridiculous 8%.
With our P2P setup, you enable to borrow for less yet lend at a higher rate. For example, if you need a loan (be it $10K or $100K) to expand your business and there are people with some spare funds ($50, $100, $1000 or whatever) who want these funds to work for them, the Platform pools such people together and you borrow from that pool at a reasonable interest (say, at around 4%).
To access and minimize lenders’ risks we utilize extremely powerful machine learning algorithms that analyze hundreds of parameters to evaluate borrowers. Additionally, the platform can send regular reports and updates to lenders on their loan utilization and performance.
Thus we allow one side to grow business, and the other side to have their extra cash work and bring even more cash. And it all happens in full transparency and with minimal risks for both sides.
Full-featured business bank accounts
Provided there is sufficient interest from participating businesses, in addition to reward transactions we will add bank accounts having all features of a business account but at a substantially lower operational cost compared to existing banks.
~3% annual rate on your daily account balance
Your average banking institution takes and uses your money to their profit, while your savings account earns basically nothing and your checking ones only consume your money even if you keep your funds in there and use them for your paychecks.
We are different. We want you to earn some interest on your deposit every day so that by the end of a calendar year you would gain around 3% on your median daily account balance. This way your money will work for you even by just staying in your account without active investment or lending.
Combine business and personal accounts for sole-props and small businesses
A highly convenient optimization for small or family business operators. For example, it would allow to only pay for one Amazon account instead of two and use it both for personal and business needs. Our banking platform will utilize machine learning to automatically split personal and business transactions. If a transaction is improperly recognazed, it can be re-assigned with a swipe of a finger in the RB mobile app.
Additionally, the RB platform will be capable of generating reports for your business taxation purposes.
Overall, such setup will save you a huge amount of effort and time that would otherwise be spent to maintain multiple accounts instead of just one.
Round-up purchases
We are considering the round-up purchases feature which enables you to get some pennies on each of your payment or purchase, and automatically move these “round-up cents” to a saving or investment account. That approach brings quite an insignificant amount each month – like a few dollars monthly – however, some of you asked about that feature and thus we put it in our To-do list.
Installment payments
It happens often that you need to buy something which costs more than you have on your account or more than your paycheck. Sometimes you have enough funds however would prefer to pay for something with small monthly pieces for a certain period of time in order to make your spendings smoother and more predictable. The latter is called “installment payment” and this is what we would like to provide you too, to enable you to buy whatever you need (especially assuming it is a planned purchase and you really need that) yet pay for that for months with tiny portions.
Would you be interested in installment payments? Do you see a benefit for you and your family by using that?[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_global id=”580″]