PurposeMint for financial institutions

Meet customers before their next financial product.

PurposeMint is the financial-readiness layer between consumers and the institutions that serve them. Using permissioned financial data, behavioral intelligence and personalized accountability, it helps asset-limited households move from fragility to safety, readiness and mobility — then creates a trusted pathway back to your products when they're ready.

For banks, credit unions, CDFIs, and community resources.

Illustrative partner dashboard

Cohort overview

Concept

PurposeMint participants

XXX

Building next cushion

XX%

Avg. goal progress

XX%

Program enrollment

—

Active participation

—

Emergency funds created

—

Pathways activated

—

Pathway milestone progress

—

Savings consistency over time · illustrative

Illustrative partner dashboard — placeholders, not performance claims

The gap

Financial relationships often begin after the need already exists.

Many consumers reach out to a financial institution at the moment of pressure — credit, a loan, overdraft relief, transportation or housing. PurposeMint creates an opportunity to engage well before that point.

Traditional journey

Financial shock
Need arises
Search for a product
Financial institution

PurposeMint journey

Build safety
Build consistent behavior
Understand goals
Improve readiness
Express a need
Relevant financial pathway

PurposeMint helps create the relationship before the application.

Where PurposeMint sits

Not another account. An engagement layer around the accounts consumers already use.

PurposeMint never holds deposits, opens accounts or moves money. It works alongside the institutions consumers already bank with. Think of it as financial infrastructure before the financial product.

Customer

A person working toward financial safety

Existing financial accounts

Checking and savings the customer already owns

PurposeMint

Behavioral intelligencePurposeMap™Savings goalsPersonalized nudgesAccountabilityCoaching

Financial readiness

Consistent behavior, clearer goals, more options

Partner pathways

Bank, credit union, CDFI, or community resource

Data providers aggregate accounts. PurposeMint interprets behavior and drives action.

Where the line sits

You own the money. PurposeMint owns the journey.

A clean division of responsibility keeps regulated activity with the regulated institution — and keeps PurposeMint focused on readiness, behavior and engagement.

PurposeMint owns

The consumer experience and relationship
PurposeMap™ and goal setting
Behavioral methodology and accountability
Interpretation of permissioned financial data
Personalized nudges and next best step
Partner dashboard and outcome measurement
Pathways orchestration

The institution owns

Deposits and account opening
KYC and AML for banking products
Credit underwriting and loan approval
Product disclosures
Payment rails and the banking ledger
Servicing of regulated financial products

What institutions get

Turn financial wellness into measurable engagement.

Earlier engagement

Build relationships with consumers before they are actively shopping for their next financial product.

Financial wellness

Give customers structured support for building savings habits and financial resilience.

Customer insight

Understand program engagement, goal progress and financial-wellness outcomes through appropriate aggregated reporting.

Pathways

Create appropriate pathways into products, services and resources as consumers become ready for their next goal.

Reporting is designed around aggregated program measures. PurposeMint does not share individual transaction data with partners, and does not determine creditworthiness or product eligibility.

The progression

Safety first. Mobility next.

Stage 1
Financial fragility
Little or no emergency savings.
Stage 2
Safety
Build the next cushion.
Stage 3
Consistency
Strengthen savings behavior.
Stage 4
Readiness
Build toward the next financial goal.
Stage 5
Mobility
Explore aligned resources and financial pathways.

PurposeMint helps partners support consumers across the journey — not just at the point of transaction.

Account-opening referrals

A pipeline of consumers who don't have an account yet.

A large share of the people PurposeMint serves are unbanked or underbanked. They have no account to connect — so PurposeMint refers them to a partner financial institution to open one.

Engaged before the referral

Consumers arrive having already set a savings goal and built a habit inside PurposeMint.

Matched to your institution

We refer people to partners whose account products fit their situation and geography.

You open and hold the account

The application, the decision and the account are yours. Deposits are FDIC-insured by your institution.

The relationship keeps going

The new account links back into PurposeMint, so savings behavior continues after account opening.

Important disclosures about banking partners

PurposeMint is not a bank and does not open accounts, hold deposits or move funds. Accounts are opened and held at partner financial institutions, with FDIC or NCUA insurance provided by that institution subject to its terms and limits. Account decisions rest entirely with the partner; PurposeMint does not determine creditworthiness or guarantee approval.

Partner reporting

See progress beyond participation.

PurposeMint is being designed to help partners understand whether people are simply participating — or actually progressing.

Program enrollment
Engagement rate
Emergency funds created
Goal progress
Savings consistency
Pathways activated
Participant retention
Coaching engagement

Conceptual partner reporting

Cohort overview

Concept

PurposeMint participants

XXX

Building next cushion

XX%

Avg. goal progress

XX%

Program enrollment

—

Active participation

—

Emergency funds created

—

Pathways activated

—

Pathway milestone progress

—

Savings consistency over time · illustrative

Conceptual partner reporting — not production functionality

Why this matters

Financial readiness creates stronger pathways.

For the customer

More financial breathing room
Greater awareness
Clearer goals
More options when life happens

For the institution

Earlier engagement
Deeper financial-wellness relationship
Measurable program outcomes
Potential future product pathways

For the community

Greater household stability
Less exposure to high-cost financial shocks
Stronger connection to mainstream financial services

Ways to partner

Start where your institution is.

Pilot

Launch PurposeMint with a defined customer or community population.

Let's Talk

Strategic partnership

Explore deeper integration, financial pathways or institution-specific experiences as PurposeMint scales.

Let's Talk

Proof

Built from real-world savings behavior.

PurposeMint grew from community-based savings work designed around a simple question: what changes when households have enough of a cushion to give themselves another option?

90+

households in our community savings cohorts

$10,000+

in new savings by participants

69%

started with no savings at all

Figures reflect completed cohorts through 2025. Full 2026 cohort results are pending.

Partner with PurposeMint

Build the relationship before the next financial need.

Let's explore how PurposeMint can support financial wellness, engagement and readiness across the communities you serve.

PurposeMint is not a bank. It does not hold deposits, open accounts, issue cards, move customer funds, or determine eligibility for credit or other financial products.