[patrickmro]

We are not trying to compete with an elite credit card.

Instead we are offering a product designed to combine some of the perks of a Chase Sapphire into a debit card which prevents you from overspending/going into debt.

Many people (especially younger millennials/gen-z) have thin credit files and a strong disdain for credit. We want to prevent folks from getting them selves into financial trouble without missing out on the good parts of having an elite rewards card.