⚡ Member-Owned Cooperative

SOLVY Card™ — Valuing You

Every time you pay a bill, a bank earns money from your money. SOLVY Card changes that. The value returns to you.

Join the Cooperative → See the Comparison
🏦 The Current Market
How everyone else pays bills — and who keeps the value.
Payment Method Who Gets the Fee Annual Cost (per $5K/month) Ownership Member Benefit
Cash No one $0 None None
Debit Card Bank (interchange) ~$0 None None
Credit Card Bank + Card Network ~$900 (1.5% × $60K/yr) None Points (1–2% value)
Bill Pay (ACH) Bank $0–$120/year None Convenience
The Problem: Every time a member pays a bill, someone else (bank, network, processor) earns value from their money. The member earns nothing except maybe points that expire or lose value.
✅ The SOLVY Card Model
How members pay bills — and keep the value.
💳
Bill Pay via SOLVY Card
Members pay bills using one card. Convenience of centralized bill pay with ownership benefits.
💰
Interchange Revenue
SOLVY captures ~1.5% of every transaction. Revenue stays in the member-owned system.
🏛️
Ownership Stake
Members own the cooperative. Profit sharing, dividends, or fee reductions — you decide.
🗳️
Member Governance
Members vote on fee structure, rewards, and policies. Control over your own financial tool.
⚖️ Market vs. SOLVY Card
Side-by-side comparison of what you get.
Feature Market (Bank Card) SOLVY Card
Who owns the program Bank or card network Members
Who keeps interchange revenue Bank (100%) Members (shared)
Annual fee Often $0–$95 $0 (member-owned)
Reward points Yes (1-2% value, restricted) Profit share (cash value)
Points expiration Yes (often 12-24 months) No expiration (real equity)
Redemption options Limited (travel, gift cards) Cash back, fee reduction, reinvestment
Control over fees None (bank sets terms) Members vote
Transparency Low (complex fee schedules) High (open book)
Late fees $25–$40 Set by members
Foreign transaction fees 1-3% Set by members
📊 The Math (1,000 Members, $5K/month avg)
What happens to $900,000 in annual interchange.
Metric Market Card (Bank) SOLVY Card
Annual interchange revenue $900,000 → goes to bank $900,000 → goes to members
Member's share (1,000 members) $0 ~$900/member/year
Value received $900 in points (restricted) $900 in profit share (cash)
Ownership equity $0 Proportional ownership
Control None Voting rights
🔄 The Ownership Advantage
Where the value flows.
👤 Member
→
Pays Bill
→
🏦 Bank
→
Captures Value
→
Member Gets Nothing
MARKET MODEL
👤 Member
→
Pays Bill
→
👑 SOLVY
→
Captures Value
→
Value Returns to Member
SOLVY MODEL
📄 One-Page Pitch
Print and share.

SOLVY CARD™

What it is: A member-owned bill pay card that captures interchange revenue for the people who use it.

How it works:

  1. You pay your monthly bills ($5,000 average) using SOLVY Card
  2. SOLVY earns 1.5% interchange ($75 per month)
  3. That $75 goes back to the member-owned cooperative
  4. You get profit share, fee reductions, or cash back

What you get:

  • $900 per year in value (based on $5K/month spending)
  • Ownership stake in the cooperative
  • Vote on fees, rewards, and policies
  • No hidden markups

What the market gives you:

  • Points that expire
  • No ownership
  • No control
  • Value goes to the bank

SOLVY = Valuing You.

Ready to Own Your Payments?
Join the cooperative. Keep the value.
Join First Circle →

$100 one-time equity deposit. FDIC-insured through Thread Bank, N.A.

SOLVY Ecosystem™ — Product of SA Nathan LLC

Member-owned cooperative banking. Data sovereignty by design.

SOLVY — Solutions Valued You. Member-owned. Generationally minded.