Sector: Fintech / Personal Finance / Digital Banking
Platform: StartEngine
Stage: Growth
Minimum Investment: $350
What They Do
Qube Money offers a digital banking app that blends modern tech with old-school envelope budgeting, letting users separate spending into virtual “qubes” before they swipe.
Why It Might Be the Next Big Thing
It flips budgeting from reactive to proactive. Their patented approach approves purchases only if funds exist in the right qube, reducing overspending at the transaction point.
Snapshot
In the $4.4B personal finance app market
Uses transaction-level authorization for true control
Founded by ex-financial advisors who’ve coached families on budgeting stress
Gaining traction among consumers seeking mindful spending tools
My Take
Most budgeting apps only report what you did. This one tries to stop mistakes before they happen — that’s a big behavioral leap.
📖 Disclaimer: This newsletter is for informational purposes only and does not constitute financial advice or investment solicitation.