Guaranteed income for anyone who wants it.
We're forming an online community committed to ensuring an income guarantee for all its members.
Thank you! We'll keep you up to date!
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Imagine a world where we're not always worried about money.
How would we fill that space in our lives?
Helping others?
Creative endeavors?
Technical innovations?
Self improvement?
Introducing

Enough with the money problems. It's time for a money solution.
Right now, you may be needing some extra money to keep the lights on through the quarantine. Or you may be financially stable, but wishing you could do something to help the millions of people who have been laid off and can't afford to pay their bills. Either way, Comingle is an online community that's here to help.
How it works
(Please save your questions until the end)
We all pitch in what we can
Everyone who signs up contributes 7% of their calculated income to the community. This is the Comingle fund.
The money gets divided equally
Comingle adds up everyone's contributions and divides the total by the number of members. This is the Comingle dividend.
Everyone gets the same amount back
Every week, Comingle deposits the amount of the dividend directly into everyone's bank account.
If you get back more than what you pitched in, then you've got yourself some extra cash. If you get back less, then you just helped make someone's week a little easier. (Next week, it might be you.)
Math is our friend
Comingle runs on two simple rules:
  1. We all pitch in 7% of our income.
  2. We all get back the amount of the average contribution.
From these rules, a helpful situation emerges in which minor effects on above-average incomes result in major effects on below-average incomes.

Not only is this elegant from a mathematical perspective, it also happens to be a very convenient way to make our world a nicer place to live.

We all get to see the big picture
No one knows who's giving how much money, and your personal details are nowhere to be found. But by pooling our anonymous financial data in one place, we can all get a better picture of where our piece of the economy stands at any given moment – allowing us to smooth out the peaks and valleys, and hopefully make some predictions about where things are headed. 
Robust data security provides the foundation we need
If we want financial security, we first need data security. That's why Comingle is built using bank-grade TLS protocols and 256-bit encryption to ensure all information is thoroughly protected every step of the way.

The income data Comingle requires is provided though a secure connection to your financial institution that's authenticated by you using your online banking credentials. Comingle never sees or stores these credentials and any data requests are made using cryptographically hashed headers and timestamps to verify their authenticity.  

The Comingle databases are kept safe using Amazon Web Services (AWS), a secure online data storage and hosting service trusted by Intuit, FINRA, NASA and the Department of Defense.

The data we manage is used only for the purpose of coordinating a guaranteed income for Comingle users and providing them with insights about the impact of their undertaking.
We can do this ourselves. Right now.
No antiquated government programs. No interest rates. No politicians. No debt collectors.
Just people helping each other in the fastest, most efficient way possible.
Frequently Asked Questions
(and answers!)
How much money will I get if I use Comingle?
The weekly dividend will fluctuate depending on how many people are in the Comingle community and the amount of our combined earnings. It will max out at $15,000 per year. So at this point we can only say that you'll receive an amount somewhere in this range:

Weekly: $1.96 – $288
Monthly: $7.84 – $1,250
Annually: $101.92 - $15,000
Who can sign up for Comingle?
At launch, Comingle will be accessible to anyone in the U.S. with a bank account that's been active for at least 3 months and is registered for online banking. Once we're up and running in the U.S., we hope to make Comingle accessible to other countries, and provide options for those without bank accounts.
How does Comingle calculate my income?
To ensure the integrity of the system, each Comingle member provides access to their online banking using a third-party service called Plaid, a secure and well-established system for linking banks to electronic financial services. (If you use apps like Venmo, Acorns, or Coinbase, then you've used Plaid before.)

While our aim is to make the sign-up process as simple and noninvasive as possible, it may often be necessary for members to authorize a "soft" credit inquiry or connect additional accounts before they can receive their dividend.

Once a bank connection is established, Comingle is alerted when a deposit is made in your account. 7% of the deposited amount becomes part of your contribution.

Some examples:
  • If I deposit a royalty check for $100, then $7 gets added to my Comingle contribution.
  • If I get a direct deposit for my wages of $1,000, then $70 gets Comingled. 
  • If I get a capital gains deposit for $10,000 then $700 gets Comingled. 
In most cases, you'll have the option to request that a contribution be refunded to you if you feel like it was for a deposit that doesn't qualify as income.
Does it cost money to take part in Comingle?
There is a $2 weekly minimum contribution for participation. In other words, if your bank account shows no income for the week, you'll still be required to make a $2 contribution. The nice part is that if you can't afford it, the $2 is simply deducted from your dividend, and you'll come out ahead for the week.

Otherwise, the cost for participation is 7% of your income, but some or all of that gets returned to you in the form of guaranteed weekly deposits.
How often are contributions withdrawn from my account?
Once per week, your total contribution and dividend will be calculated, and you’ll see one transaction in your bank account. If the dividend that week is larger than your contribution, you’ll see a deposit for the difference into your account. If your contribution that week is bigger than the dividend, you’ll see a withdrawal of the difference from your account.
Can I cancel my membership?
You can cancel anytime, but you'll need to wait 2 years before renewing again. A lot can happen in two years, so you might want to reconsider cutting yourself off from a source of guaranteed income.
I already earn a decent income. Why would I become a Comingle member?
Anybody can face hardship, whether it’s from a sudden injury, a loss of employment, a lull in business, inconsistent gig work, or a million other reasons. But there's no reason that hardship needs to drop someone into poverty and insecurity.

For yourself, you can think of it as a convenient tool to give you a little boost when business is slow or the chips are down in your own life.
I'm super wealthy. Why would I become a Comingle member?
If you're already set for life, your participation in Comingle's guaranteed income community will indeed involve a net financial contribution every week. But if you're interested in giving back to folks who could use some help, Comingle is an efficient and forward-thinking option that can be set up in minutes.

And when you join the community, you’ll know that 98 cents of every dollar you contribute will be going directly to somebody who needs it, proportionally to how much they need it, without bureaucratic waste or middlemen’s salaries.  You'd be hard-pressed to find a more effective giving option.
Can I put money in the Comingle fund without signing up?
Yes! If you would like to support the effort to provide a guaranteed income for people, but you'd prefer to just add a lump sum to the community's fund, please get in touch.

At this time, we're encouraging outside supporters to formally pledge a preferred amount, which is then released to the community fund incrementally based on the number of members.
Can businesses, institutions, or cities participate in Comingle?
Comingle is specifically designed to support individuals and their families, so only personal bank accounts can be connected to the Comingle fund. The best way for large groups to participate would be to encourage everyone in the group to sign up individually,

If you're interested in helping to increase the Comingle dividend through corporate or institutional sponsorship, please get in touch.
Can I specify that my contribution goes to a particular group of people in the Comingle community?
Not unless the particular group you wish to specify is "human beings" or "all members of Comingle," in which case you're in luck, because Comingle already specifically targets those very groups!

If we're building a system that can help everybody, that means everybody. It's time to accept that we're all in this together, whether we like it or not.
Will other Cominglers know who I am or how much money I make?
No. Anonymity is a key ingredient in Comingle. While it might be nice to put names and faces to all the great people who have joined up to help each other, displaying any information about individual members could potentially put personal financial information at risk.
Does Comingle make money?
Comingle retains 2% of the fund to cover the cost of operations and pay its employees. Bear in mind, though, that every Comingle employee is also a member, so 7% of their earnings chip into the Comingle Fund as well.
How does Comingle prevent fraud?
Comingle uses a broad array of fraud detection and prevention techniques to protect our community from abuse. In addition to conventional first- and third-party fraud, we also check for a more recent threat called synthetic fraud.  We are also on the lookout for money-laundering schemes on the part of nefarious organizations.  So, if we have to ask for a bit of additional information to make sure we know who you are, you’ll know that it’s because we want to protect all of us who are honestly doing our best to help each other out.
Is my financial data secure with Comingle?
Rest assured that your data is encrypted and protected both in-transit and at rest on our servers by the latest bank-grade security standards and protocols.  We never see, or store your banking passwords. That information remains confidential between you and your bank.  In addition, our networks and servers are constantly monitored for advanced persistent threat’s (APT’s) and other threats to your data.
Have you considered basing this on a cryptocurrency?
That would definitely shake things up. First things first, though. Let's get some food on the table we've got before we try building a new one.
Can't I just join Comingle to collect my guaranteed income when times are tough, and then cancel it as soon as I get some money coming in?
There's nothing preventing you from doing that except for maybe your "good conscience." The hope, however, is that you'd feel better about yourself if you allowed some of your new income to flow back to the community that helped you through the tough times.

You'll also need to wait 24 months before you can renew your membership, so there's that to consider.
Isn't guaranteed income just called "a job?"
A "job" is actually a conditional income, which means that it is in no way guaranteed. Jobs come and go. Your dividend will always be there.
Shouldn't our elected officials be handling this sort of thing using the taxes we're already paying?
Um... probably? Depends on which one you ask. We kind of got tired of waiting for them.
Isn't this just Universal Basic Income?
Comingle is a modern, tech-driven take on the concept of Universal Basic Income and builds upon a wealth of great ideas that have been proposed over the years. It's a bit different though, in that it's only for those who sign up for it and it won't necessarily cover the cost of all the "basics" for everyone. On the flip-side, it can happen a lot sooner, it side-steps all the messy government politics, and the question of "how do we pay for it?" is answered directly by the mechanics of the system.

If you'd like to learn more about Universal Basic Income (UBI) just click here.
Isn't this like a mutual aid network, a lending circle, the tithe at my church, or a rotating savings and credit association?
Pretty much. But in those models, people generally pitch in money, then wait their turn to make use of the collected funds. They're also limited to a small group of people who are socially connected in some way.
Is this socialism, communism, or some other word that I'm supposed to be scared of?
Nope. It's people just like you trying something new, looking out for each other and dreaming of a better world. That's as American as it gets.
But if everyone starts using this, won't people eventually stop working at soul-crushing jobs just so they have enough money to put food on the table?
Hmm. Maybe? Perhaps there are more fulfilling reasons people might want to work.
What if my business can only stay competitive if there’s a population of people so desperate to make ends meet that they’ll accept the meager wages I pay them to perform the miserable jobs I provide?
Might be time to start building some robots or get a better business model. People shouldn’t have to go through that.
Isn't this a lot of wishful thinking?
You say that like it's a bad thing.
We're stronger when we work together. So is our money.
Thank you! We'll keep you up to date!
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