OUR MODEL
Let Credit Markets
Generate Your Returns
Open a new eligible checking account and make Qualifying Direct Deposits1 to earn your cash bonus.
Be Your Own Bank: Get Access To Global Lending Markets
P2B MFI Financing Across 30+ Countries
Our platform offers a reliable income-generating model through direct financing of Microfinance Institutions (MFIs) across more than 30 countries, powered by a transparent Peer-to-Business (P2B) structure. We combine rigorous risk management, geographical diversification, and local market expertise to protect and grow your capital. By spreading investments across different regulatory environments and economic cycles, we reduce volatility while maintaining steady, predictable returns.
- Portfolio diversification across 30+ markets with active currency and credit risk monitoring
- Advanced risk management framework including MFI due diligence, reserve funds, and legal safeguards
- Access to curated, high-quality lending opportunities with moderate but stable target yields
- Monthly payouts and automated reinvestment options for compounding growth
- Full transparency on each MFI’s financial health, loan book quality, and historical performance
You can ask anyone.
Anyone with an email address can receive a money request, whether they have a PayPal account or not. Then they can pay you with their card or PayPal balance.
Philanthropy and volunteerism
Strengthening our communities
Our responsibility as long-term investors extends to the geographies in which we live and work. Through a collaborative approach, we engage nonprofit and corporate leaders to collectively address critical needs in communities where our crew and clients live with a primary focus on early childhood development and financial well-being.
Why Our P2B MFI Model Works
Three core advantages that protect your capital while delivering consistent, moderate returns across 30+ countries
Global Diversification
Spread your investment across 30+ countries, reducing exposure to any single economy, currency, or regulatory environment.
Institutional Risk Management
Multi-layered protection including MFI due diligence, reserve funds, and legal safeguards across all jurisdictions.
Moderate Yield & Full Transparency
Access to curated, high-quality lending opportunities with stable target returns and complete visibility into each MFI.
Unlocking Exclusive Benefits Through Collaboration With Us
Qualified partners who meet criteria are granted exclusive membership. Access requires minimum capital commitment, compliance approval, and execution of a master participation agreement. Approved members receive privileged entry to institutional-grade MFI financing opportunities not available to standard participants. This is not a retail offering—eligibility is reserved for vetted institutions demonstrating operational excellence and capital adequacy.
Membership benefits include early access to investment pools, priority allocation in funding rounds, and dedicated relationship management. Fee structures are reduced. Reporting includes direct portfolio-level data feeds. Settlement cycles are expedited. Renewal is annual, contingent on continued compliance and capital activity. These privileges extend across our entire network, with local legal and tax support included for qualified members.
- Direct onboarding with senior relationship manager assigned per account
- Customized yield enhancement based on committed capital volume
- Co-investment rights alongside platform's own capital allocation
- Quarterly investment committee briefings with forward portfolio visibility
- Exclusive access to primary funding rounds before general release
Your safety is our priority.
When you're requesting money with PayPal, your transactions are monitored 24/7 by our security specialists, who identify suspicious activity and help protect you.
Direct Capital Allocation Across Global Credit Markets
Retail investors are not excluded from institutional-grade opportunities. The same underlying MFI portfolios are accessible with lower participation thresholds and weekly withdrawal terms. Cross-border execution and currency conversion are fully automated. No lock-up provisions apply to standard products. Capital remains liquid. Accreditation is not required.
Member status becomes available following sustained activity. Eligible members receive compensation for referred participants, reduced fee structures, and periodic access to exclusive pools. Approval is discretionary, reviewed quarterly. Retail capital is ring-fenced from institutional books. Real-time reporting includes transaction-level detail and portfolio valuation.
- Dedicated retail support team available via chat and email, 24/5
- Educational materials and portfolio construction guidance included
- Tax reporting documents generated automatically for each jurisdiction
- Mobile app with biometric login and push notifications for payouts
- Transparent fee schedule published on dashboard with no hidden charges
Global Footprint: Where We Make an Impact
USA – New York (Global Headquarters)
USA – San Francisco (West Coast Hub)
Canada – Toronto
Brazil – São Paulo (Regional Hub)
Chile – Santiago
United Kingdom – London (EMEA Headquarters)
France – Paris
Germany – Frankfurt
UAE – Dubai (Regional Hub)
Saudi Arabia – Riyadh
South Africa – Johannesburg
Kenya – Nairobi (East Africa Hub)
Hong Kong (APAC Headquarters)
Japan – Tokyo
Australia – Sydney
India – Mumbai
Singapore (Southeast Asia Hub)
Here's how to qualify1:
Open a new eligible checking account through this offer page by May 31, 2026.
Only new checking customers can take advantage of this offer.
Connect USCA Connect to your business and start using all the features of our service for maximum efficiency.
Take advantage of improved funding terms and unlock premium features that will help your business reduce costs, increase efficiency, and achieve long-term success.
We provide customized interest rates that depend on your organization type and individual business requirements.
| Organization | Interest Rate |
|---|---|
| MFI CATI | 4.99% |
| MFI CATII | 3.99% |
| MFI CATIII | 2.99% |
Get your exact interest rate after approval based on your organization type and specific business needs and requirements.
Direct deposit
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Local Privacy Notices and Requirements
The Privacy Choices displayed are specific to your local privacy requirements and our privacy notices. For more information about how we protect your privacy, including specific rights that may apply, please visit the Institutional Privacy and the Consumer Privacy pages.
Marketing Preferences
To manage your general marketing preferences, please visit the "Control how we can share your data and market to you" form on our Privacy Page.
California Residents
To learn more about your privacy rights as a California resident, please see our California Consumer Privacy Act Notice.
To exercise your CCPA consumer rights to request, correct or delete your personal information, please visit our California Personal Information Request form.
To opt out of sharing and selling, open the "Sharing and selling of Personal Data" tab and make a selection.
California Notice of Right to Opt-Out from Sale/Sharing
Bank of America does not sell your Personal Information. Beginning in April 2025, we have commenced sharing Personal Information collected from our webpages with non-affiliated, third-party websites and advertisers to provide a personalized marketing experience, commonly known as Cross-context Behavioral Advertising.
Bank of America customers can request to opt-out from the sharing of their Personal Information for cross-context behavioral advertising.
How to opt-out of sharing your information:
We offer three (3) methods for opting out:
- Click "Your Privacy Choices" link at the bottom of our web and mobile pages. On the pop-up window, select the "Sharing and Selling of Personal Data" tab located in the left column. Here you will be able to choose your preferences. Note: you can make changes to your preferences at any time; any adjustment will override the previous settings.
- Using your web browser. Bank of America recognizes users' opt-out preference signals, honoring these preference signals as valid requests.
- Calling 888.341.5000
An authorized agent may submit an opt-out request on your behalf if you have provided the authorized agent signed permission to do so. All opt-out requests are processed within 15 calendar days from time of receipt.
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Sharing and Selling of Personal Data
Bank of America does not sell personal information, but we may share personal information for targeted advertising. You have the right to opt-out of the selling or sharing of your personal information. By switching the toggle to the left and clicking save, you are indicating that you do not want us to sell your personal information or share your personal information for online targeted advertising activities. If you do not have an account or if you are not logged into your account, your request to opt-out of sale/sharing will be linked to your browser identifier only and not linked to any account information because the connection between your browser and the account is not known to us. At any time, you may change your preference setting using the toggle bar. Any manual adjustment will override previous settings.
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