Cube is a platform for group saving. You and people you trust contribute to a shared pool on a schedule, and each cycle, one member receives the full payout. No loans, no interest — just structured saving, together.

No. Cube is not a loan, and there's no interest or debt involved. You're saving your own money alongside others. Access rotates fairly through the group based on agreed rules.

You choose who joins your Cube. Every member has a Trust Score based on their contribution history. You can see payment status, payout schedules, and group health at any time — so trust is visible, not assumed.

Cube has built-in guardrails. Members are notified of upcoming contributions, and the group can see who's current and who's at risk. If a payment is missed, the Trust Score reflects it — and the group decides how to proceed.

Payouts follow a set rotation agreed upon when the Cube is created. When it's your turn, the pooled contributions are deposited directly into your verified bank account. No requests, no negotiations — just the system doing what was set.

Yes. Contributions move via ACH to and from your verified bank account. Cube doesn't hold your funds — money flows directly between members according to the schedule. Every transaction is logged and visible to the group.

Cube is free to use during beta. We'll share more about pricing as we grow, but our goal is to keep costs minimal and transparent — no hidden fees, ever.

Anyone can start a Cube. You set the contribution amount, cycle frequency, and invite members you trust. Once everyone joins and verifies their account, the Cube begins.