# Accrew The Member-Owned Mobile Bank, Empowering Users as Shareholders ## Elevator pitch Accrew is the first member-owned mobile bank, providing members with ownership of the profits. Truly aligning Accrew and its member's interests together for far greater returns and shareholder rewards. - Canonical URL: https://wefunder.com/accrew - Entity ID: wefunder:company:99425 - Last updated: 2026-06-06T05:01:24Z - Generated at: 2026-06-06T17:22:25Z ## Quick facts - πŸ’ΈπŸŽ Providing its members/owners with far better rates, features, and rewards. - πŸ“±πŸ’³ A ready-to-use app in Q3 of 2022 for both iOS and Android. - πŸ“ˆπŸš€Accrew is the first to provide shareholder status to its members. ## Active fundraises - wefunder:fundraise:52523: 4(a)(6) successful (USD) - wefunder:fundraise:52524: 4(a)(6) successful (USD) ## FAQ 1. **Oversimplyfing, which is your business strategy? Where to you expect the money to come from?** - Accrew generates revenue from Net Interest Margin (a portion of interest from the deposits in users' accounts), Interchange (>1% of debit card transactions), ATM Fees (Out of Network), and Staking Pool Fees (a portion of staking rewards for users' DeFi accounts). 2. **Hello, does any of the two key team members do any coding, or will you have to pay someone to do all the IT tasks?** - Yes, we have an external technical advisor who was a senior developer (back-end) for Chicago's largest FinTech and lending company; alongside Accrew's dev team, LoadSys, here in Chicago. 3. **The primary issue with big banks is that they invest money in unethical industries like fossil fuels without their customer's permission. Do you plan to invest in fossil fuels?** - Accrew will not invest in the fossil fuel industry, instead, Accrew will invest in FDIC High-Yield Savings; essentially the prime rate. Furthermore, Accrew will provide a high-yield DeFi account invested in a cryptocurrency staking pool to bypass the banks and lend directly to consumers with a 120% collateralized loan within the cryptocurrency ecosystem. 4. **I see that both founders don't have Accrew listed on your Linked in profiles. Can you please tell me why that is? It looks like you have only invested $8,579 of your own funds into the company. Is that correct? If so, that is not much "skin in the game". Are you committing not...** - Accrew's founders are committed to working on the venture outside of their full-time jobs until the application is finished, which is scheduled for Q3 of this year. At this time, the CEO will work full-time to start selling the mobile application via social media influencers, podcasters, Youtubers, Twitchers, Redditors, etc. The Accrew team will not receive a Salary until Accrew receives outside funding from an Accelerator, Angel Investor, or VC. Aside from capital appreciation, Accrew will p... 5. **what will be the lowest apr ? the problem alot of people have with banks is the savings account side tends to be %1 apy or lower. chime on the average provides me with a %2 apy but i have seen it go to %4 awhile back. the issue isnt that banks cant do it its that they profit i...** - Great question, in the second iteration of the Accrew App, we will provide access to higher APYs through DeFi. Essentially, we are erasing the middle man (bank) from the equation and members can go directly to the market to get the best possible rate, directly from the person who originates the loan. This type of account is not FDIC insured, however, Accrew will collateralize the loan to at least 150% to eradicate any default risk. We hope our members will enjoy Accrew's better DeFi features,... ## Team - Mark Willoughby (CEO) - Mark Willoughby (Operational Advisor) ## Recent posts - Accrew App Update (2023-06-07T19:39:15Z) - Accrew Update & Card Art Vote (2022-09-07T22:56:40Z) ## Q&A - Q: Hi, when the investment will be closed? - Q: Aj Montgomery, Accrew's WEFUNDER Reg CF campaign was suppose to close back on 8/24/22 which was eight days ago why is this campaign still open? You risk the chance of losing investors, when will this campaign actually end? I see Accrew making major headlines in a short period of time, on it's way to becoming a billion/trillion dollar company and a lot of lives being forever changed in the process!!!!! - A: The Accrew team understands your concern and we are working tirelessly to build the banking app of the future. Accrew should have the app in the Apple store within 60-90 days. Accrew has already started to draw from the WeFunder investment to pay for development and first year's expenses. Additionally, we have decided to keep the investment open until October and raise more funds to help with months 8-12 of the first year's expenses. We appreciate your patience as we embark on this journey to change banking and the world!! - Q: what will be the lowest apr ? the problem alot of people have with banks is the savings account side tends to be %1 apy or lower. chime on the average provides me with a %2 apy but i have seen it go to %4 awhile back. the issue isnt that banks cant do it its that they profit it by loaning out the funds you put in and gain interest off of it and you get a fraction when instead it should be %25-%50. - A: Great question, in the second iteration of the Accrew App, we will provide access to higher APYs through DeFi. Essentially, we are erasing the middle man (bank) from the equation and members can go directly to the market to get the best possible rate, directly from the person who originates the loan. This type of account is not FDIC insured, however, Accrew will collateralize the loan to at least 150% to eradicate any default risk. We hope our members will enjoy Accrew's better DeFi features, rates, and rewards! - Q: Thank you for your response. May I suggest adding a perk at 5 or 10K with the investment valuation of 1 million. From what I have see that helped other companies rise money faster. - Q: I see that both founders don't have Accrew listed on your Linked in profiles. Can you please tell me why that is? It looks like you have only invested $8,579 of your own funds into the company. Is that correct? If so, that is not much "skin in the game". Are you committing not to take a salary until after the company reaches breakeven? Are you both working on this company in addition to holding Full Time jobs? How will investors make money other than potential stock appreciation? - A: Accrew's founders are committed to working on the venture outside of their full-time jobs until the application is finished, which is scheduled for Q3 of this year. At this time, the CEO will work full-time to start selling the mobile application via social media influencers, podcasters, Youtubers, Twitchers, Redditors, etc. The Accrew team will not receive a Salary until Accrew receives outside funding from an Accelerator, Angel Investor, or VC. Aside from capital appreciation, Accrew will provide investors with an Accrew utility token, which should appreciate when more users onboard, thereby increasing the profit-share pool in tandem with the market cap. - Q: The primary issue with big banks is that they invest money in unethical industries like fossil fuels without their customer's permission. Do you plan to invest in fossil fuels? - A: Accrew will not invest in the fossil fuel industry, instead, Accrew will invest in FDIC High-Yield Savings; essentially the prime rate. Furthermore, Accrew will provide a high-yield DeFi account invested in a cryptocurrency staking pool to bypass the banks and lend directly to consumers with a 120% collateralized loan within the cryptocurrency ecosystem. - Q: Hello, does any of the two key team members do any coding, or will you have to pay someone to do all the IT tasks? - A: Yes, we have an external technical advisor who was a senior developer (back-end) for Chicago's largest FinTech and lending company; alongside Accrew's dev team, LoadSys, here in Chicago. - Q: Oversimplyfing, which is your business strategy? Where to you expect the money to come from? - A: Accrew generates revenue from Net Interest Margin (a portion of interest from the deposits in users' accounts), Interchange (>1% of debit card transactions), ATM Fees (Out of Network), and Staking Pool Fees (a portion of staking rewards for users' DeFi accounts).