One Reason Families Join CrowdPays™ – Ongoing Financial Relief on the Bills You’re Already Paying — for the Next 100 Months

Over time, CrowdPays™ chips in internally to reduce how much of your paycheck it takes to cover your household expenses — delivering $160,350 to $800,000 in total bill-pay relief across 100 months.

Do you spend at least $4,000 a month on household and personal expenses — and feel like your paycheck disappears too fast? When you switch from your current bank’s automated bill pay to CrowdPays’ bill pay concierge service, your bills and household expenses will still be paid on time, in full, and securely — exactly as they are now.

The difference is financial relief.

Once your bills are running through CrowdPays™, our system begins Chippin In™ internally to lower how much of your own money it takes to keep your household fully paid. Over a structured 100-month period, CrowdPays™ is designed to provide$160,350 to $800,000 in total bill-pay relief applied directly to your household expenses.

Eligibility: CrowdPays™ is designed for working households seeking ongoing financial relief. Eligible participants must be 25 or older, employed full-time, and spending between $4,000 and $20,000 per month on verified personal and household expenses. Approval is based solely on verified expenses and W-2 income, with no credit check, no debt, and no repayment required. Once enrolled, a Cost of Living Payout™ is applied gradually over 100 months, during which CrowdPays™ begins Chippin In™ internally to reduce how much of your own money it takes to keep your household fully paid, providing long-term relief that may be used to lower required bill deposits, stabilize cash flow, or direct value into savings or investments you already control. CrowdPay Inc., doing business as CrowdPays™, is a financial technology company (NAICS 522320) providing concierge-style daily money management and automated bill payment through its proprietary SaaS platform, operating exclusively through FDIC®-insured partner banks using regulated money-transmitter infrastructure.

An Introduction…

How CrowdPays™ Creates Real Financial Relief

CrowdPays™ is a members-only bill pay concierge designed to help working households permanently lower their cost of living. Members don’t join because they can’t pay their bills — they join because CrowdPays™ pays the same bills while requiring less of their paycheck over time. Each household deposits exactly what it already spends on verified expenses, divided into predictable weekly amounts, and every bill is paid on time, in full, through regulated banking partners. Nothing about lifestyle, income, or spending changes.

What changes is pressure. Because deposits are consistent and tied to real household expenses, CrowdPays™ is able to leverage banking scale and payment timing to Chip In™ internally on each member’s cost of living. Over a structured 100-month period, this shows up as internal bill-pay relief — not cash, not a loan, not an advance — that gradually reduces how much of your own money it takes to keep your household fully paid. Members either use this relief immediately by lowering future deposits (keeping more money in their paycheck each month) or direct it toward longer-term goals, while bills remain covered 100%.

CrowdPays™ is often described as a Bill Pay SuSu™, not because members share money, but because households coordinate bill payment through a shared system that uses scale to create relief for everyone. Same bills. Same spending. Less money required over time.

Would you like a link to be interviewed for membership in the CrowdPays Network? Here it is: Link

Why CrowdPays™ Works for Members

Immediate Relief Without Changing How You Live
CrowdPays™ starts working the moment you join. You list the bills you already pay and make the same predictable weekly deposits based on your real household expenses. No new spending, no lifestyle changes — just bills paid on time and a system designed to require less of your paycheck over time.

Relief That Grows Automatically
After your first 90 days, CrowdPays™ begins applying internal contribution credits each month. These credits increase gradually and can offset a meaningful portion of your household expenses, creating ongoing cost-of-living relief.

You Control How the Relief Is Used
You choose whether your credits lower your future weekly deposits for immediate cash-flow relief or are directed into an IRA or investment account you already control.

What to Know Up Front

Relief Is Based on Real Expenses
Your benefits are calculated from your verified household and personal expenses — the same bills CrowdPays™ pays on your behalf.

No Cash, No Debt, No Repayment
Contribution credits are applied internally. They are not cash payouts, do not create debt, and never need to be paid back.

Consistency Unlocks Stability
Members remain active for an initial 90-day period before increasing relief begins. This consistency allows the system to deliver reliable, long-term benefits for every household.

Get Started

Your Expense Account Comes With:

• Secure login access to track deposits, bills, and contributions
• A unique Bill Pay Account for household expenses
• Automatically decreasing weekly deposits as your contributions grow
• Real-time bill payment tracking and discretionary spending reports
• An affiliate dashboard to share your referral link and watch your contributions increase
• Cash-flow and planning tools for debt payoff, savings, or investments
• (Optional) Investor tools to help you put freed-up cash to work

Imagine This: Paying bills doesn’t just cover expenses—it builds lasting contributions you can direct toward lowering your cost of living or funding your financial future.

Estimate by Graph

How to Start on CrowdPays™

Getting Started

You open a CrowdPays™ Expense Account and deposit enough to cover your normal monthly household expenses. CrowdPays™ pays every bill on time and in full. After your initial onboarding period, the system begins Chippin In™ internally, providing monthly bill-pay relief that starts modestly and grows over time. As the relief increases, CrowdPays™ can offset up to 50% of your verified expenses, resulting in $160,350 to $800,000 in total cost-of-living relief applied over the program term.

How You Use the Relief

You stay in control. You can use the relief to lower your future weekly deposits for immediate cash-flow breathing room, direct it into an investment account you already control for long-term goals, or split it between both approaches.

This process involves no traditional loans, no credit checks, and no repayment. No investment risk is required. The system works by coordinating bill payments at scale and redistributing internal efficiencies back to participating households.

**What You’re Not Doing**

You’re not getting investment advice.
You’re not budgeting harder.
You’re not trying to save more out of an already stretched paycheck.

**What You Are Doing**

You’re paying the same bills through a smarter system — one designed to steadily reduce how much of your income goes toward expenses.

CrowdPaying™ (v.): Paying household bills in a way that returns value to you through coordinated group economics, increasing your Household Economic Index (HEI) by freeing more of your income from the cost of living.

We Chip In While We Pay all Household & Personal Expenses

Mortgage/Rent, 2nd Mortgage, Vehicle Loans, Credit Cards, Student Loans, Furniture Loans, Personal Loans, Lines of Credit, Investments, Child Support, Electricity Bills, Natural Gas Bills, Cell Phone Bills, Legal Bills, Vehicle Insurance, Streaming, NetFlix, Hulu, Life Insurance, Health Insurance, Water Bills, Sewer Bills, Property Taxes, Homeowners Insurance, Streaming Bills, Cable Bills, Internet Services, Gym Bills, Vehicle Gasoline, Groceries, Religious, Trips, Vacations, Amazon, Cosmetics, Barber, Salon, Dry Cleaners, Entertainment, Clothes Shopping, Other Miscellaneous Items, college tuition, storage unit, renters insurance, HeLoc

You are the 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

Frequently Asked Questions

What is CrowdPays™?

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.

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 CrowdPays Bill Pay Account has its privileges. When we collect money from you and begin depositing into your MyPENY™CrowdPays Bill Pay account, our company receives a subsidy/dividend that we can share with you as a tax-free dividend you allowing us to pay your household bills and expenses. Sustainability is dependent on the number of households using Crowdpays. The larger the group, the more of your expenses we can support.

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 Bill Pay Account 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 for 90 days, and increase that amount to a minimum of $400/m0.; thereby increasing until we reach 50% of your total household expenses.

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: $4,000/mo.
Financial Stability – Must be able to afford weekly deposits for bill pay (Example $1,000/week)
Age – Minimum age is 25, Maximum age is 65 years.

Testimonials

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™ pays the remainder. My bills are all paid in full. CrowdPays™ will free up $2,041 per month, and my financial advisor is very pleased with my progress. A. Cozart

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™ pays the difference to guarantee my expenses are paid in full. This generates a $1,148 monthly credits that continues to grow thanks to the Bill-Pay Payout. K. Campbell

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™ pays the difference to cover the rest of our expenses. L. Byrd

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™ pays the remainder. My bills are all paid in full. CrowdPays™ freed up $2,990 per month, letting us keep more cash in hand without extra loan payments. C. Blue

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™ paying my full expenses. CrowdPays™ has freed up $2,967 per month for me to invest or spend as I choose. B. Webster

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™ pays the remainder. My bills are all paid in full. This has allowed me to consistently free up $2,042 per month for the past year and a half. T. Holt

Ask About Our “Tell A Friend” Referral Program

If your personal and household expenses are $3,500 per month, referring just 2 households means CrowdPays™ will only collect $3,000 from you—the crowd covers the remaining $500!

The larger your crowd, the less you pay each month.

Your Guaranteed benefit is Capped at 100% of Amount of Your Monthly Bills & Expenses. Use the calculator below to find out how many referrals it takes for CrowdPays to cover 100% of your household bills.

Tell a Friend Calculator

Tell A Friend Calculator

Enter your monthly expenses:

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.

Get Started

Legal Disclosure

Disclosure:

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. As a NeoBank Lite™ financial services provider, we automate household bill payments through FDIC®-insured partner banks (NMLS & NeoBank Pending) using regulated money-transmitter infrastructure. CrowdPays™ operates strictly as a bill pay concierge, managing client-directed deposits in internal, user-named Expense Accounts used solely for recurring household obligations—rent, utilities, insurance, subscriptions, and other verified bills. We are not a bank, lender, investment firm, or securities issuer, and we do not provide personal loans, advances, credit lines, or cash disbursements.

Financial Relief Through the CrowdPays™ SuSu:

CrowdPays™ reimagines the traditional SuSu system for modern bill pay. Members do not receive cash from others, participate in rotations, or depend on recruitment. Instead, each household pays its own bills, and strength is created collectively through coordinated, scaled bill payment. This network effect, combined with deposit predictability and operational efficiency, allows CrowdPays™ to “Chip In™” on verified household expenses, providing measurable financial relief. Over the 100-Month Cost of Living Payout™, members receive internal, non-cash contributions of $160,350 to $800,000 applied directly within their Expense Accounts. This reduces future deposit requirements without creating debt, interest obligations, or taxable income.

About the 100-Month Cost of Living Payout™:

The 100-Month Cost of Living Payout™ is an internal, non-cash benefit powered by deposit velocity, payment timing, network scale, and banking leverage. Members make scheduled weekly deposits, which CrowdPays™ uses to pay their actual household bills. Internal payout credits—including BPRD (Bill Pay Return Dividend) and referral credits—offset future weekly deposit requirements, lowering the cost of living over time. This payout is not a loan, credit product, advance, or disbursement, and it does not trigger repayment obligations, interest accrual, or tax liability.

BPRD and Referral Credits:

The BPRD is a non-taxable, internal dividend credit earned after 90 days of uninterrupted service, beginning at 10% of monthly household expenses and increasing by 1.25% monthly over 36 months. Referral credits similarly provide internal offsets based on network participation. All credits are applied exclusively inside the Expense Account to reduce future deposit requirements. Optional service credits of $250/month may be granted for qualifying clients participating in user experience feedback, applied toward future deposit requirements and not distributed as cash.

Compliance and Banking:

CrowdPays™ fully complies with KYC (Know Your Customer), AML (Anti-Money Laundering), and neobank/money-transmitter regulations. All payments are made through commercial business accounts maintained at FDIC®-insured banks. CrowdPays™ does not initiate withdrawals from client accounts; all deposits are client-initiated. Clients incur no debt, and no funds are ever distributed directly to clients. All internal offsets, retained value, and benefits originate from operational efficiencies, pooled bill pay velocity, and earned platform credits—not from lending or investment activity.

Investment Disclaimer:

CrowdPays™ does not provide investment advice or manage investment portfolios. Members retain full control over any decisions regarding investment accounts. Internal payout credits may be applied toward member-directed accounts only as outlined in the internal credit schedule.

Member Support:

Each CrowdPays™ member is assigned a dedicated U.S.-based Account Manager. All communication is available via phone, text, or Zoom®. No computer is required to use the platform.