We change the way people think about and use money.
Happy Money. Happier Life.
What if people spent their money differently — and better
— Elizabeth Dunn, Ph.D., Happy Money
Payoff offers loans as a simpler way to say goodbye to credit card debt and start saving sooner.Visit Payoff
Joy is a mobile app that uses robot Money Coaches, designed around each person's psychology, to help people spend happier and build their savings.Visit Joy