The Problem

The Black and Brown communities have largely been excluded from actively participating in the financial system

  • Más del 25% de los hogares estadounidenses no están bancarizados o están infrabancarizados
  • Un asombroso 86% de todos los hogares estadounidenses que no están bancarizados son personas de color. (FDIC )
  • Muchos recurren a servicios de alto costo como giros postales, cambio de cheques, remesas internacionales y préstamos abusivos (día de pago, anticipación de reembolsos, casas de empeño y préstamos sobre el título de un automóvil), con un costo superior a los 100.000 millones de dólares.

Paybby Digital Banking

Paybby offers a smart banking solution for Black and Brown communities. With the Wicket app (available on both iOS and Android smartphones), users can open both a free digital checking and saving accounts and start banking. There is no waitlist or hidden fees. Additionally, through Wicket, Paybby will offer a more transparent and trustworthy banking experience. This will be achieved by the utilization of cutting-edge, blockchain and AI technology to develop enhanced KYC and the Paybby ‘Trust Engine’ that demystifies the complexities of the “banking black box” providing financial transparency unlike any other option on the market.

Paybby plans to become the most trusted financial institution in the Black and Brown communities by supporting hyper-transparency of information about the services offered, pricing, and the operations of the Bank. The days of opaque banking that create distrust are over. This is our time. Join us now.