Qube Money

Qube Money is a digital banking and budgeting app that modernizes the cash envelope system. It enables users to allocate funds into virtual "Qubes" for specific spending categories, promoting intentional spending and real-time budget management. With its unique "Default Zero" technology, the Qube debit card remains inactive until a Qube is opened, enhancing security and preventing unauthorized transactions.

Qube Money is a financial technology platform that integrates banking and budgeting through a digital adaptation of the traditional cash envelope method. Users can create virtual "Qubes"—individual budget categories—for expenses like groceries, bills, and savings goals. Funds are allocated to each Qube, and spending is conducted by selecting the appropriate Qube, ensuring that expenditures align with predefined budgets. The platform's "Default Zero" feature adds a layer of security by keeping the Qube debit card inactive until a Qube is intentionally opened for a purchase, mitigating the risk of unauthorized use. Qube Money offers various plans, including options for individuals, couples, and families, with features like joint accounts, subscription controls, and real-time spending notifications. Deposits are held by Choice Financial Group, Member FDIC, providing users with insured banking services. By combining proactive budgeting tools with secure banking features, Qube Money aims to help users gain control over their finances, reduce impulsive spending, and work towards financial goals with clarity and purpose.