MyPerfi is the AI co-pilot that plans your finances — and MyPerfi Pay turns everyday purchases at local shops into real rewards. One app, both halves of your financial life.
MyPerfi is an AI co-pilot that plans your money around your goals — and MyPerfi Pay is how you act on that plan, tapping to pay at the local shops that make up your everyday life.
A 3-year outlook and concrete next steps, personalized to where you live and how you spend — not generic budgeting rules.
Every account, income source, and expense synced automatically into one live view.
Local pricing and offers matched to your real shopping basket — save without changing your lifestyle.
Bite-sized lessons and quizzes that pay out in XP, streaks, and redeemable rewards.
Risk-matched investment paths that steer new investors away from the most common mistakes.
MyPerfi Pay turns every purchase at a local vendor into a rewarding, data-rich moment for both sides — the missing link between MyPerfi’s advice and MyPerfi’s data.
A local shop rings up $5.00 on the MyPerfi Pay terminal or app.
Phone or card — no cash, no card-reader fumbling, no waiting.
Payment clears in seconds, encrypted end to end.
The user earns XP and rewards; the vendor gets a repeat customer and fresh data.
Faster checkout and happier customers drive more repeat business.
Real sales, ratings, and customer data — not guesswork.
Built-in rewards keep shoppers coming back, on purpose.
Tap and go in seconds — no cash, no waiting in line.
Earn points on every tap, and unlock deals from favorite vendors.
Every tap helps a neighborhood business and the community around it.
Every rating and redemption feeds the AI layer — sharper advice for users, sharper demand insight for vendors.
Picture a university: every student is an everyday user, the coffee shops and bookstores around campus are the affiliated vendors, and the university itself is the community partner holding it all together. MyPerfi AI sits underneath, matching real spending intent to real nearby offers — so the whole group moves together.
Every purchase ends with a real “was it worth it,” not just an ad — so value is visible, not assumed.
Offers reach the shoppers most likely to actually want them — not just whoever happens to be nearby.
Better-matched buyers mean more completed sales for vendors, and a stronger, more active program for partners.
You’re one of thousands of students already inside your university’s MyPerfi community — which means every affiliated shop nearby is already primed to match your budget.
Bank accounts, income, and a plan built around what you actually want to reach.
Location-aware savings tips and a 3-year outlook, updated as you spend.
Checkout in a tap, then a 10-second “worth it?” feeds the loop.
MyPerfi AI matches you to members with a similar budget; share a find and earn a kickback when they redeem it.
You’re affiliated with a specific community — a university, an employer, a neighborhood — so every customer MyPerfi sends you is already primed to say yes.
No new hardware, no monthly contract — live in under a day.
Every enrolled member of your partner community sees your offers first.
A live dashboard of transactions, ratings, and trends — not guesswork.
Ratings and referrals surface buyers who were already likely to say yes — not just anyone walking by.
A school, employer, or organization brings its entire population onto MyPerfi at once — and the local vendors it already trusts come with it, all under one umbrella.
Every member — students, employees, residents — and every affiliated vendor sits under one umbrella.
Message individuals or groups directly, and track what actually lands.
Every program decision backed by live participation data, not a guess.
Track redemptions, kickbacks, and affiliated-vendor performance across the whole community.
Every tap ends with a simple yes-or-no: was it worth it? MyPerfi AI uses that signal — plus real spending patterns — to find other members in a similar financial situation, and lets the original shopper share the find directly. When a friend redeems it, the person who shared it earns a kickback, not just a thank-you.
Sarah M. · $5.00 latte · “Worth it”
3 members nearby with a matching budget & taste profile.
Jordan used Sarah’s recommendation — kickback paid instantly.
The same dashboard vendors use for offers and CRM, now with live MyPerfi Pay transactions layered in.
The MyPerfi Admin Portal gives partners oversight of their community’s financial journeys — turning engagement into insight, and insight into action.
Spot financial risk signals in time to help, not after the fact.
Message individuals or groups directly, and track what lands.
Every program decision backed by real engagement data.
Track redemptions and tune MyPerfi Pay offers in real time.
Behavioral-science nudges and timed incentives that turn advice into action people actually take.
A self-sovereign trust score built on verified actions — the reputation layer behind shared planning.
25-factor biometric authentication securing every account, connection, and payment.
Join the waitlist and we’ll let you know the moment MyPerfi — and MyPerfi Pay — are live in your area.
