What is the name of your organization?
Nurture Your Income
What is the name of your solution?
Nurture Your Income
Provide a one-line summary or tagline for your solution.
Inflation hedging cash account
In what city, town, or region is your solution team headquartered?
Needham, MA, USA
In what country is your solution team headquartered?
United States
What type of organization is your solution team?
Not registered as any organization
Film your elevator pitch.
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What specific problem are you solving?
Consumer deposits are chronically exposed to inflation, continually losing purchasing power. Banks typically offer meaningful returns only on deposits held longer than three months; however, most wage earners spend their deposits within 30 days, missing out on productive returns from their idle funds. While exchange-traded funds (ETFs) can yield returns even within short day-to-day intervals, consumer deposits usually aren't "excess" funds and cannot be risked without jeopardizing immediate liquidity needs. Consequently, rising inflation continuously erodes their real value.
Since consumer deposits are liquidated in the consumer retail market, to estimate the scale of the problem, we can look at the global retail market size, which stands at around $28 trillion (as per Statista) every year. An average global inflation rate of 6% (5.76% in 2024) translates into an estimated $2 trillion loss of purchasing power in just one year. While everyone feels this impact, about 90% of the global population—those with no access to productive wealth tools due to the nano-term nature of their capital—suffers the most. With wage growth lagging behind inflation rates, they are left in an even worse position over time as evidenced by growing wealth inequality over past 25 years.
What is your solution?
Nurture safeguards everyday consumer deposits from inflation, empowering individuals to save—even when living paycheck to paycheck. We leverage retail trade-marketing budgets as a margin of safety with comparable ETF risk profiles to proactively capitalize consumer deposits and use AI/ML to balance volatility with personalized trade promotions on future transactions. For example, if a retailer offers a 20% discount on a $250 purchase, Nurture repurposes that offer into a 20% risk tolerance for pro-actively investing $250. As a result, consumer deposits continuously generate incremental profits or retail savings until spent, effectively preserving purchasing power and hedging against inflation.
Nurture acts as a tech-enabled aggregator layer linking a brokerage, a bank, and a retail network. Our product is a “range metric” that normalizes investment losses of consumers into a personalized discount score, which is then accessed by our retail partners to determine eligible discounts based on their trade budgets and transaction terms. Our technology enables retailers to conduct one-to-one price negotiations with individual customers at scale. This process provides the clarity and compliance needed to offer personalized pricing without requiring manual intervention or resorting to broad-market discounts that undermine profitability.
Who does your solution serve, and in what ways will the solution impact their lives?
Our solution is an alternative to traditional checking/cash accounts, specifically designed to serve individuals who need to keep their funds disposable but lack a sustainable medium for long-term wealth growth—especially those living paycheck to paycheck. These individuals typically do not have long-term capital from inheritance or personal savings, nor do they possess the risk appetite for high-return yet volatile markets. Their sole capital source is their wage, which must cover immediate needs while being the only financial resource with the potential to impact their future.
Nurture is designed within these parameters. It empowers this segment to build long-term capital through ETF returns on consumer deposits while automatically managing risk in a manner that does not disrupt their routine.
