Become an owner of capital

SmarterThanMoney, a privately run fintech cooperative, is eliminating barriers by helping individuals, families, and organizations become their own bank.

“We are helping people earn escalating residual deposits while helping others access the capital they need to succeed."

The STM system enables Strategic Partners worldwide to leverage their own capital or that of others to invest in their passion projects, whether personal, business or charitable. Our method harnesses the inherent value of blockchain decentralization to generate consistent cashflow over time for active members. Members can diversify their portfolios by allocating their growing residual deposits towards other assets giving them more control over their financial climate.

Our platform also facilitates collaboration between members of our global STM community, fostering mutually beneficial partnerships that enhances greater success and growth. Through STM, aspiring entrepreneurs can access the expertise and experience of our seasoned Strategic Partners, gaining valuable insights and guidance along their journey.

The STM transformative purpose is to democratize wealth-building. By removing the barriers commonly associated with traditional business, banking and accredited investing, our platform empowers a diverse range of individuals and organizations to achieve their personal financial goals with precision and mathematical certainty.