How payments move on Cube
Cube is built to move money without ever holding it.
When you send a payment on Cube, the transfer happens directly between you and the winner. Cube does not store funds, route payments, or sit in the middle of the transaction.
Instead, Cube acts as a coordinator. It tells you who to pay, how to pay, and when, while keeping a clear record that the payment happened.
Where your money goes
When a winner is selected, they connect a payment method to the Cube, either Zelle or Venmo. That method is shown to all contributors.
When it’s time to pay, you send the money straight to the winner using that method. The funds never pass through Cube.
There is no Cube wallet.
There is no balance held in the app.
There is no waiting for funds to clear.
Why Cube works this way
Direct payments keep things fast, familiar, and transparent.
You’re using payment methods you already trust.
The winner receives funds instantly.
And Cube avoids the complexity and risk of custody.
This design keeps Cube simple while still enabling coordination at scale.
What Cube does track
While Cube doesn’t move money, it does track payment status.
After you send a payment, you submit proof. Once the winner confirms receipt, the contribution is marked complete and reflected in:
- the Cube’s cycle status
- your payment history
- your Trust Score
This creates accountability without centralizing funds.
What happens if there’s a problem
If a payment is delayed or confirmation doesn’t happen right away, Cube steps in to help resolve the issue without interrupting the Cube. The goal is continuity, not friction.
The takeaway
Cube isn’t a bank.
It’s a coordination layer for people saving together.
Money moves directly.
Records stay visible.
And every cycle stays on track.
