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Invest in People Finance

A user-owned Banking, Stock and Crypto Trading platform



reserved of a $5,000,000 goal
$25M valuation cap Future Equity
Early Bird Bonus: The first $300K of investments will be in a SAFE with a $25M valuation cap and 10% discount
$500, $1K, $5K, $25K
I’ve worked in financial services as both a direct employee and consultant for the past 20 years. During that time, I’ve worked with hundreds of companies from one-man shops to the largest banks and non-banks in the world. All but a handful of these companies were near exclusively focused on maximizing revenue. From a capitalistic perspective, there is absolutely nothing wrong with that. However, from a practical real-world perspective, this revenue maximization nearly universally comes at the expense of and to the detriment of the customer. There are nearly unlimited examples of financial institutions legally (and illegally) working against their customers' best interests. People Finance is different. Anthony and team are focused on building a successful and profitable company WHILE simultaneously doing right by their customers. Their focus on leveling the playing field for the small/retail customer by building a people first Web3 FinTech that provides best in class products while sharing the upside is unlike any other company I’ve seen. When I initially invested in People Finance it was only a vision. Now, less than a year later, the team has already built a functioning beta version of their iOS app along with a web portal that enables both stock and crypto trading in an easy-to-use interface. I’m excited to take part in this newest round of funding that will enable the team to launch their banking products, Android app, and dramatically expand their userbase.


Exclusive partnership with a federally chartered credit union
1.5% - 2.5% Student Loan refinancing for our banking customers
Earn 5% APY on federally insured, high-yield savings accounts vs 0.13% national average
Pay 0% interest on Lines of Credit vs 9.41% national average
12k+ on waitlist for banking services and 1000+ active accounts in our stock trading platform
Buy Stocks and Crypto directly from a federally insured checking accounts.
Our goal is to have 25k customers with $10m in ARR (not guaranteed)
Experienced founders with two successful exits

Our Team

I started People Finance because I don't believe traditional finance treats people fairly. I wanted to create a financial company where we value our people over our profits.

"People Finance's gross revenue of nearly $100,000 per year, per customer, is attained while simultaneously providing the best and most competitive interest rates in finance". The Impending Crisis

Exacerbated by rapidly increasing inflation rates, the gap between the ultra-rich and common people is growing faster than ever.  This inequality is plainly observed in the financial products that banks and brokerages sell to low and middle class families.

Fair banking and financial products are more important than ever before:

  • 157 million adults currently live paycheck-to-paycheck
  • Consumer debt has hit $16.5T.
  • College graduates are being swallowed alive with $1.75T in student loan debt
  • Big banks fraudulently open accounts for their customers without their knowledge
  • Retail brokerage shops sell their users financial data and collude with big hedge funds to manipulate the markets.

Our Solution: We bring honest banking to the masses

People Finance is a grass-roots, user-owned banking and trading platform that is laser-focused on helping the 157 million struggling Americans achieve financial health through offering the same banking products that the ultra-rich get from their private bankers.

With our industry leading flagship 1.5% Student Loan refinancing product to our 5% APY savings account and 0% lines of credit, we are creating a new wave of people-first financial products.

Why now?

  • COVID forbearance period is ending for student loans.
  • High interest rates are crushing loan holders from contributing to personal financial growth.
  • Highest inflation rate in decades (8.2% Sep 2022)

How we accomplish these rates?

People Finance has secured an exclusive partnership with a credit union to offer the most competitive financing rates in the country.

Growth through products and services:

Our goal is for each customer to have 4 banking products with us:

  • Student loan refinancing (1.5% - 2.5% APR)
  • Checking account opened with direct deposit implementation (required for student loan refinancing).
  • *Customer connects data from car and mortgage loan servicer*
  • Finance or Refinance car loan to well qualified buyers (2.5% - 5% APR)
  • Finance or Refinance mortgage loan (3.5% - 5% APR)

Growth by the Numbers:

With customers having 4 products our projected yearly revenue:

  • Student Loans | Avg. Balance $28,000 | 2% interest = $560/yr
  • Checking account | Avg. Spend $6,000 | 1.5% int. = $90/yr
  • Car Loan | Avg. Size $32,480 | 4% Interest = $1,299/yr
  • Mortgage | Avg. Size $200k | 4% Interest = $8,000/yr

Gross Revenue per Customer: ~ $9,950/year

Net Profit after expenses per customer: ~1% on loans sold or $2,604.8/year

Our Traction:

  • In 2021 we launched a stock trading app with over 1k accounts.
  • In 2022 we expanded our approach to creating banking products that solve real problems.
  • 12k on the waiting list waiting for our banking platform to go live.

2023 Growth Goals:

People Finance has a goal of activating 25k accounts and cross-selling 4 financial products with our partnering credit union. With this goal as our guidepost People Finance will net ~$50m in ARR (not guaranteed).

Use of Funds: Assuming $5m raised

$1.5m (30%) - Engineering 

$500k (10%) - Legal/Compliance

$750k (15%) - Marketing 

$750k (15%) - Sales

$750k (15%) - Operations/Accounting 

$375k (7.5%) - Emergency burn

$375k (7.5%) - Wefunder Intermediary fee

    With this raise, we believe we can reach $50m in revenue and a $500,000,000 valuation for our next round of funding (not guaranteed)

    Important Disclosure and Clarifications:

    “Since our last raise on Wefunder, we have built a trading platform from the ground up and have deployed the People Finance Beta App in both iOS and Web platforms”.

    At People Finance, transparency with our users and investors is our #1 core tenant. In that spirit, let us explain exactly what we are:

    People Finance is a FinTech platform that partners with financial institutions to bring personalized products to our customers. Therefore, we are not a bank or investment platform.

    Through API broker-dealer and banking partnerships, we are able to visualize trading and banking functionality through our front-end UI/UX.

    People Finance - we are building a front-end platform that plugs into our API broker-dealer partner, Alpaca Securities LLC. Alpaca Securities LLC is a registered broker-dealer and you can find out more about them here.

    • People Finance and Alpaca Securities LLC (“Alpaca”) are not affiliated and neither are responsible for the liabilities of the other. Brokerage services are provided by Alpaca Securities LLC (“Alpaca”), member FINRA/SIPC, a wholly-owned subsidiary of AlpacaDB, Inc. This is not an offer, solicitation of an offer or advice to buy or sell securities or open a brokerage account in any jurisdiction where Alpaca is not registered (Alpaca is registered only in the United States).

    People Finance Crypto - we are building a front-end platform that plugs into our API crypto partner. Out partner is regulated in the United States by FinCEN. People Finance will also register with FinCEN and become an MSB to ensure full compliance with State and Federal regulations.

    People Finance Money - through our exclusive partnership with a federally chartered credit union we are able to offer banking services to our customers at the most competitive rates in the country.

    Why we chose to go this route:

    Two reasons:

    Speed to Market

    Although being a bank or broker-dealer sounds nice. It would cost millions of dollars and 2 years before we get approved by the regulators. Therefore, by partnering with these institutions we can focus on what we do best; attempting to make a centralized ecosystem that has the best interest of our customers and shareholders in mind.


    Our ethos is very clear - we are a company for the people, by the people. We will only partner with institutions similarly aligned with our company ethos. If they aren't, well...there are other partners that are willing and able to listen to us, the people!