RESERVE
min $100
A Future Equity Agreement (SAFE) gives you the right to future shares in the company.
Dear Potential Investors,
PayBak's story begins with a simple yet powerful idea: In a landscape where US household debt reached a record $18.59 trillion in Q3 2025 (NY Fed), millions struggle with repayment. PayBak changes that by allowing users to earn credits through 10 optional task categories – from financial rewards and surveys to AI tasks, wellness programs, and local gigs – applied directly to their debts.
This creates aligned incentives: Users achieve faster payoff on their terms, while institutions benefit from reduced defaults and better engagement, all funded by multiple revenue streams like banks and employers.
Growth Potential With market tailwinds including rising debt and the embedded finance sector projected to reach $588.49 billion by 2030 (Grand View Research), PayBak's asset-light, compliance-first model is built to scale across industries. Our expandable task marketplace and B2Fi partnerships position us for rapid expansion, mirroring successful fintechs: Klarna with 114 million active consumers and $903 million Q3 2025 revenue; Revolut with 52.5 million users and £3.1 billion 2024 revenue; Chime with $544 million Q3 2025 revenue and a full-year forecast of $2.16 billion.
Vision We envision a world where debt repayment is rewarding and accessible – progress over perfection – fostering a sustainable ecosystem that empowers users and partners alike.
We're thrilled to welcome you on WeFunder. Invest in PayBak and join us in redefining financial freedom.
Best, Jose "JJ" LaBrie Founder, PayBak