Everything is a UK-based fintech platform that offers a rewards system through its debit card, allowing users to earn cash or product rewards instantly with every purchase while promoting ethical spending. The platform addresses the issue of financial engagement by enabling users to form squads with friends, enhancing their earning potential and fostering positive money habits.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional savings methods, like premium bonds, often lack appeal for younger generations, failing to provide the instant gratification and social engagement they seek. Existing reward systems may not effectively promote positive financial habits or offer compelling incentives for saving and spending wisely.
Solution
Everything provides a debit Mastercard and platform designed to reward users for everyday spending and saving, offering a modern alternative to traditional premium bonds. Users can earn instant cash or product rewards when making purchases with the Everything card, with opportunities to win rewards ranging from small cash prizes to larger sums. The platform incorporates a social element by allowing users to form "Squads" with friends, increasing their chances of winning together and fostering collaborative financial habits. By allocating a portion of its revenue to reward pools, Everything incentivizes users to make smart money choices and engage with their finances in a more exciting and rewarding way.
Target Audience
The primary target audience is Gen Z and young millennials seeking a more engaging and rewarding way to manage their finances.
Features
- Free debit Mastercard that provides instant cash or product rewards on purchases.
- "Squads" feature enabling users to team up with friends to increase their chances of winning rewards.
- Reward system that incentivizes wise spending habits with bonus rewards.
- Real-time notifications via the Everything app when a user wins a reward.
- Secure account top-up via Plaid integration.
- Safeguarded funds held separately in the Bank of England.