Stashem vs SavingsBox

Raise funds from your community and reward them. Back the people you believe in and get rewarded. Stashem gives creators a new way to raise funds directly from the people who believe in them — and gives Backers a way to support that growth and receive monthly rewards directly from the Creator. Creators get backed. Backers get rewarded. Stashem turns belief into shared growth. A new category of inclusive growth where creators and the people who back them can grow together. HOW STASHEM WORKS Creators launch their own Creator Tokens and set the price. Backers buy those Tokens directly from the Creator, providing capital the Creator can use to build what comes next — content, ideas, businesses, projects, or their personal brand. In return, Creators reward their Token Owners every month through Backer Rewards. The more eligible Tokens you hold, the greater your share of that Creator’s monthly reward. You back them. They give back. FOR CREATORS Turn belief into backing. Every Creator starts with 10,000 Tokens, chooses their Token price, and sets their monthly Backer Reward. When Backers buy your Tokens, you gain a direct source of funding from the people who believe in what you are building. Use that backing to create more, build more, and grow your personal brand. And as people back you, give back to them every month. FOR BACKERS Back people you believe in. Get rewarded. Discover Creators you believe in, buy their Tokens directly from them, and build a portfolio around people. With Stashem, you can: * Discover and back Creators * Buy Creator Tokens directly from Creators * Hold multiple Tokens from the people you believe in most * Receive monthly Backer Rewards directly from Creators * Earn a larger share of rewards based on the eligible Tokens you hold * Track your Tokens, rewards, and earnings in one place * Withdraw eligible backing after the initial 30-day period under Stashem’s pro-rata withdrawal rules MONTHLY BACKER REWARDS Backing goes both ways. Creators set and fund a monthly Backer Reward for eligible Token Owners. Each month, that reward is shared among eligible Backers based on the number of Tokens they hold. The Creator funds the reward. Stashem distributes it to eligible Backers. Backers fund Creators. Creators reward Backers. YOUR BACKING When you buy Creator Tokens, your backing goes toward funding the Creator. That backing is released to the Creator progressively over the applicable 12-month funding period. After the initial 30-day holding period, you can withdraw the eligible portion of your backing that has not yet been released to the Creator. Withdrawals work on a pro-rata basis: As more of your backing is released to the Creator over the 12-month period, the amount remaining eligible for withdrawal decreases. This creates a simple relationship: 1. You provide the backing. 2. The Creator receives funding over time. 3. The Creator rewards you while you hold eligible Tokens. YOUR STASHEM WALLET Token purchases are made using funds in your Stashem Wallet. Add funds by card, use your balance to back Creators, and keep unused funds available for future backing. Eligible unused funds you added can be requested back to the original payment method. Money you earn through Stashem is tracked separately and paid to your eligible debit card according to Stashem’s payout cycle. BUILT AROUND VERIFIED PEOPLE Stashem is a closed ecosystem designed for verified members aged 18 and older. * Tokens remain within Stashem. * Every Token purchase is recorded. A Stashem Token represents a contractual relationship between the Creator and the Backer who owns it. Creators get a new way to raise funds directly from their community. Backers get a way in on the action — and receive monthly rewards directly from those Creators. Followers become Backers, Support becomes participation and growth becomes something both sides can share in. Stashem — Where backing goes both ways.

SavingsBox — Save with purpose. Plan with confidence. SavingsBox is a savings and financial wellness app built around real goals, real guidance, and real accountability — not just a place to park money. SavingsBox is free to download. Some features require SavingsBox Premium, an optional auto-renewing subscription purchased in the app. Features marked (Premium) below require it. Sessions with financial professionals also carry a separate per-session fee (see below). Save your way: Create a personal SavingsBox for any goal. The free plan includes 1 personal box; unlimited boxes require Premium. Invite friends and family into an Accountability Circle (free) or a Group Box with a shared savings pot (Premium) to save together. Track each contribution individually and see how shared progress adds up toward the goal. Turn on Round-Up Savings to put spare change from everyday purchases toward your savings goals. Automatic recurring contributions to a personal box or Group Box require Premium. Maya, your AI financial coach: Maya connects your income, spending, savings, debts, bills, and goals to help you understand what matters most right now. Unlimited Maya messages require Premium. Maya is powered by Claude, an AI model from Anthropic; the app asks your permission before sharing any of your information with it. Get a weekly check-in on your progress, a heads-up when a bill might put pressure on your cash flow, a plain-English answer to questions like, "What if I put an extra $50 toward this debt each month?" and a clear view of your financial timeline in one place. Maya explains and educates — she doesn't replace a licensed financial, tax, or legal professional. When a question goes beyond what AI coaching should handle, she'll tell you. Real help when you need it: Sometimes you need a person, not an algorithm. Book a session directly in SavingsBox with a vetted financial professional, including a CPA, financial advisor, attorney, credit counselor, loan officer, or financial coach. Booking is available on the free plan; each session is priced by the professional and paid at booking. Built with security in mind: SavingsBox uses identity verification, secure bank connections through Plaid, security and fraud controls, optional two-factor authentication, and biometric app lock. You control your notifications and have tools to manage your account and data. Track debts and goals, not just savings: Log your debts and see an estimated payoff timeline. Set a goal you're not ready to fund yet. Maya brings your savings, debts, and goals together into one prioritized view so you can focus on what matters most right now. SavingsBox Premium (optional subscription): Premium includes unlimited personal savings boxes, Group Boxes with a shared savings pot, automatic recurring contributions, unlimited Maya messages, and priority support. Premium is billed monthly to your Apple ID and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID settings. Whether you're building an emergency fund, saving for a shared trip with friends, paying down debt, or simply trying to understand where your money goes, SavingsBox gives you the tools, guidance, and accountability to move forward. Terms of Use: https://thesavingsbox.com/terms Privacy Policy: https://thesavingsbox.com/privacy