Owner Rewards Calculator
Eligible members may be eligible to receive Class B shares in Accrew, Inc.
Class B shares are an equity interest in Accrew, Inc. — not in a partner bank — with limited voting rights. Allocations are conditional. See Owner Rewards Terms.
For more variables, see Additional Model Variables below.
For more variables, see Additional Model Variables below.
Your Rewards
The first month in which the sample member is assumed to meet the qualifying conditions. Choose month 1 to illustrate participation from launch. Monthly spend must exceed $400 for an allocation weight to apply.
Hypothetical Share Value Based on Accrew Total Members
The underlying financial model records an operating loss in month 6. Any pool contribution shown for this month is an assumed share of revenue, not a share of profit — there is no modeled profit in this month to share. Nothing here represents that profit, distributable cash or legally available funds exist.
The three cases scale the modeled pool funding (the greater of the selected Net Interchange share and the selected share of modeled net income) into the rewards pool. They are funding assumptions — not profits, not a forecast of profits, and not a representation that distributable cash exists. The chart displays a hypothetical formula value, not realized gains, cash received or guaranteed returns. More users do not ensure profitability or cash availability. The lower cases reduce all assumed pool funding, including the opening seed. These are sensitivities, not probabilities, forecasts or a complete range of outcomes.
This calculator is a hypothetical illustration only. It is not a promise or guarantee of future performance, share value, cash availability, profitability, investment return or redemption proceeds.
Illustrative values use management’s modeled revenue and net income estimates, not verified profit. Each month, the modeled Profit-Sharing Pool receives the greater of the selected share of modeled Net Interchange (20%–50%) and the selected share of modeled net income (90%–100%). The base illustration assumes about 1,000 Class B Shares are added to the monthly allocation pool for each new member in months 1–25, that other Class B holders request redemption at a 70% annual rate, and that the modeled path reaches 5,000 members in year 1, 25,000 in year 2, 100,000 in year 3, 500,000 in year 4, and 2,000,000 in year 5, with years measured from the App’s expected launch in April 2027. If holders redeem their shares at different rates, this will significantly impact the value of remaining shares. See the Additional Model Variables. Redemption is a discretionary request. Approval is not guaranteed, and any payment may be zero.
The funding cases scale the modeled pool funding (the greater of the selected Net Interchange share and the selected share of modeled net income). They are not company profits, not a projection of profits, and not a representation that distributable cash exists. No outcome shown here is promised or guaranteed.
Disclosure:
Future values are based on Accrew reaching a projected number of users, and returns are not guaranteed with the potential to lose value. Accrew Shares are not FDIC insured, are not deposits, and are not bank guaranteed. A displayed value is a formula output, not cash and not an amount you can withdraw. Class B shares may lose all value.
Class B shares are an equity interest in Accrew, Inc., not in any partner bank, and not a guarantee of profit. They carry limited voting rights, are non-transferable, and are not publicly traded. Redemption is a discretionary request. Approval is at Accrew’s sole discretion, and any payment may be zero.
Any shares allocated would be securities in Accrew, Inc., with limited voting rights and no public trading market. They are not ownership in a partner bank. Redemption is a request, not a withdrawal: approval is at Accrew’s sole discretion and is subject to the Offering Circular, program restrictions, board or delegated approval, contractual obligations and legally available funds under Delaware law. A request may be denied, delayed or partially filled, and any payment may be zero.
▸3 · Behind this monthMonth 6 · funding and allocations
Your first participating month at the current settings. Expand for funding, issuance and allocation detail.Your first participating month at the current settings. Shares held reflect allocations through this month only.
Month 6 · funding and allocations
Your first participating month at the current settings. Expand for funding, issuance and allocation detail.Your first participating month at the current settings. Shares held reflect allocations through this month only.
| Revenue stream | USD / month |
|---|---|
| Interchange | $22,680 |
| ATM revenue | $4,194 |
| Net interest margin revenue | $2,000 |
| Combined revenue | $28,874 |
| Assumed pool contribution | $4,536 |
Month 6: Net Interchange basis applied. Contribution is the greater of the two bases × 100% realization × 100% case factor. Revenue and assumed pool contributions are not verified company profits and do not establish that cash is available to fund any allocation.
- New users this month
- 400
- Newly issued shares
- 400,000
- Recycled shares reissued
- 152,739
- Total monthly allocation pool
- 552,739
- Your allocation weight
- 0.055556%
- Other members’ assumed cash outflow
- $181
- Net Interchange basis
- $4,536
- Net income basis
- $0
- Basis applied
- Net Interchange
- Your hypothetical redemption proceeds to date
- $0
- Hypothetical pool balance
- $15,506
- Shares outstanding · A + B
- 9,830,000
- Formula value per share
- $0.001577
Onboarding phase · 1,000 shares per new user (the modeled rate for this month), plus this month’s recycled redemptions. The pool stops at the Class B target.
Spending and invite allocations
| Allocation source | Shares this month | Shares held | Hypothetical value |
|---|---|---|---|
| Qualifying spend | 245.66 | 245.66 | $0.39 |
| Successful invites | 61.42 | 61.42 | $0.10 |
The spending component uses the selected +2UP allocation weight. Each qualifying invite uses a 20% weight on $1,400.00 of average monthly member spend. Both components are included once in the total holding; displayed values are before any redemption request.
Through month 6: 2,391,395 cumulative shares issued — 2,000,000 newly issued and 391,395 reissued from redemptions; $12,852 assumed new pool funding; $346 paid out to other members in this scenario.
7,830,000 Class A + 2,000,000 Class B outstanding. Selected Class B target: 31,000,000.
The underlying financial model records an operating loss in month 6. Any pool contribution shown for this month is an assumed share of revenue, not a share of profit — there is no modeled profit in this month to share. Nothing here represents that profit, distributable cash or legally available funds exist.
31M Class B + 7.83M existing Class A = 38.83M combined before any additional equity. The separate 38M combined-target case is available in assumptions.
For comparison, the unscaled source path’s month 6 at $937.50 average spend has $21,382 combined revenue and $5,345 assumed pool funding. Current inputs recalculate both amounts. Those figures are revenue assumptions, not profit.
▸4 · Additional Model VariablesInputs, methodology and disclosures
Expand for scenario inputs, methodology and disclosures.Every assumption behind the illustration, with downloadable artifacts.
Inputs, methodology and disclosures
Expand for scenario inputs, methodology and disclosures.Every assumption behind the illustration, with downloadable artifacts.
This is a hypothetical illustration, not a forecast. It runs entirely on the assumptions shown below, which you can change. It does not predict Accrew’s results, does not promise shares or value, and does not create any entitlement. The Offering Circular and the Owner Rewards program terms govern; where this page and those documents differ, those documents control.
▸Edit the monthly scenario
Profit-Sharing Pool funding
Each month the pool receives whichever is greater: the Net Interchange share or the net income share. The defaults are the minimums in Exhibit A of Accrew’s bylaws (20% and 90%).
20%
Accrew’s management may choose 20%–50% of Net Interchange each month; 20% applies if no percentage is chosen. This illustration treats modeled interchange as Net Interchange.
90%
Profits are at least 90% of Accrew’s net income. This illustration has no separate net-income line: it treats management’s assumed contribution as 90% of modeled net income and sets net income to zero in months 1–18, when the financial model shows an operating loss. This is a management estimate, not verified or GAAP net income.
Month 6: Net Interchange basis applied.
The assumed average monthly qualifying spend across all modeled members. Changing it recalculates modeled interchange and every allocation weight, because weights are measured against total community spend. Your own spend is a separate input above.
Scales every monthly user count and rounds to whole users. The modeled path assumes no churn, which is an assumption and not an expectation. 0% models no users. A lower setting is a sensitivity test, not a forecast of slower growth.
Scales the modeled onboarding rate of 1,000 shares per new user in months 1–25. This funds the aggregate community allocation pool; it is not a grant of shares to any individual new user. From month 26 the schedule stops issuing against new users, so this input has no effect there.
Monthly fraction = 1 − (1 − annual rate)^(1/12). Applies to other Class B shares held at each month’s start. This member holds allocations; Class A holders do not redeem in this model.
Monthly fraction = 1 − (1 − annual rate)^(1/12), applied to your own holding. Redeemed shares are paid from the pool at that month’s opening formula value and leave your holding. 0% means you keep every allocation. Redemption is a discretionary request; approval is not guaranteed and any payment may be zero.
Scales the modeled pool contribution (after the greater-of rule above) and the opening pool. 100% is a scenario, not an estimate of likelihood and not a representation that funding will occur. The chart also shows half and zero funding.
The circular describes a planned $3,000 seed upon qualification. This illustration does not establish that qualification or funding has occurred. Month 1’s contribution is added separately.
Optional dilution sensitivity. Additional shares receive the same pool economics. No proceeds are added to the pool. Financing principal is not revenue or profit.
In the 38M combined-target case, this reduces the Class B target; existing Class B shares are not automatically cancelled. Excess can be absorbed by retaining subsequent redemptions.
The Offering Circular lists 7,830,000 existing Class A shares. The latest 31M Class B instruction therefore implies 38.83M combined. Both targets are operational assumptions, not guaranteed limits.
Turning a stream off removes its assumed revenue and associated pool contribution. It does not model the related expenses or a replacement business model.
▸Monthly ledger · shares, pool and hypothetical value
All 60 months use the selected funding case. The member is assumed to hold every allocation throughout the illustration. Fractional shares are kept at full precision in the calculation and rounded only for display. A dash marks a scenario that needs ownership-cap review.
| Month | Users | Allocation / month | Shares held | Pool / USD | A + B outstanding | Value / USD |
|---|---|---|---|---|---|---|
| Month 1 | 100 | 0.00 | 0.00 | $3,126 | 7,930,000 | $0.00 |
| Month 2 | 400 | 0.00 | 0.00 | $3,752 | 8,230,000 | $0.00 |
| Month 3 | 800 | 0.00 | 0.00 | $5,247 | 8,630,000 | $0.00 |
| Month 4 | 1,200 | 0.00 | 0.00 | $7,720 | 9,030,000 | $0.00 |
| Month 5 | 1,600 | 0.00 | 0.00 | $11,150 | 9,430,000 | $0.00 |
| Month 6 | 2,000 | 307.08 | 307.08 | $15,506 | 9,830,000 | $0.48 |
| Month 7 | 2,500 | 307.06 | 614.14 | $20,875 | 10,330,000 | $1.24 |
| Month 8 | 3,000 | 268.58 | 882.72 | $27,323 | 10,830,000 | $2.23 |
| Month 9 | 3,500 | 241.94 | 1,124.66 | $34,790 | 11,330,000 | $3.45 |
| Month 10 | 4,000 | 222.40 | 1,347.06 | $43,215 | 11,830,000 | $4.92 |
| Month 11 | 4,500 | 207.46 | 1,554.53 | $52,530 | 12,330,000 | $6.62 |
| Month 12 | 5,000 | 195.67 | 1,750.20 | $62,671 | 12,830,000 | $8.55 |
| Month 13 | 6,000 | 268.57 | 2,018.77 | $75,740 | 13,830,000 | $11.06 |
| Month 14 | 7,000 | 241.94 | 2,260.70 | $90,804 | 14,830,000 | $13.84 |
| Month 15 | 8,000 | 222.40 | 2,483.11 | $107,714 | 15,830,000 | $16.90 |
| Month 16 | 9,500 | 258.68 | 2,741.79 | $127,019 | 17,330,000 | $20.10 |
| Month 17 | 11,000 | 234.79 | 2,976.58 | $149,074 | 18,830,000 | $23.57 |
| Month 18 | 13,000 | 254.15 | 3,230.73 | $174,363 | 20,830,000 | $27.04 |
| Month 19 | 14,000 | 165.98 | 3,396.71 | $281,205 | 21,830,000 | $43.75 |
| Month 20 | 16,000 | 222.41 | 3,619.12 | $394,468 | 23,830,000 | $59.91 |
| Month 21 | 18,000 | 207.47 | 3,826.59 | $516,995 | 25,830,000 | $76.59 |
| Month 22 | 20,000 | 195.68 | 4,022.27 | $669,758 | 27,830,000 | $96.80 |
| Month 23 | 22,000 | 186.14 | 4,208.41 | $830,581 | 29,830,000 | $117.18 |
| Month 24 | 25,000 | 217.01 | 4,425.42 | $1,003,806 | 32,830,000 | $135.31 |
| Month 25 | 30,000 | 268.59 | 4,694.01 | $1,223,764 | 37,830,000 | $151.85 |
| Month 26 | 35,000 | 118.87 | 4,812.88 | $1,476,934 | 38,830,000 | $183.06 |
| Month 27 | 40,000 | 78.90 | 4,891.78 | $1,763,072 | 38,830,000 | $222.11 |
| Month 28 | 45,000 | 69.62 | 4,961.40 | $2,080,290 | 38,830,000 | $265.80 |
| Month 29 | 50,000 | 62.29 | 5,023.70 | $2,426,217 | 38,830,000 | $313.90 |
| Month 30 | 55,000 | 56.36 | 5,080.06 | $2,798,668 | 38,830,000 | $366.14 |
| Month 31 | 60,000 | 51.46 | 5,131.51 | $3,195,622 | 38,830,000 | $422.31 |
| Month 32 | 65,000 | 47.34 | 5,178.85 | $3,615,210 | 38,830,000 | $482.17 |
| Month 33 | 72,000 | 43.19 | 5,222.05 | $4,067,110 | 38,830,000 | $546.96 |
| Month 34 | 80,000 | 38.93 | 5,260.98 | $4,708,870 | 38,830,000 | $637.99 |
| Month 35 | 90,000 | 34.81 | 5,295.79 | $5,415,092 | 38,830,000 | $738.53 |
| Month 36 | 100,000 | 31.15 | 5,326.94 | $6,192,056 | 38,830,000 | $849.46 |
| Month 37 | 120,000 | 26.90 | 5,353.83 | $7,200,183 | 38,830,000 | $992.75 |
| Month 38 | 140,000 | 22.76 | 5,376.59 | $8,398,279 | 38,830,000 | $1,162.87 |
| Month 39 | 160,000 | 19.73 | 5,396.32 | $9,771,869 | 38,830,000 | $1,358.03 |
| Month 40 | 180,000 | 17.40 | 5,413.72 | $11,307,580 | 38,830,000 | $1,576.52 |
| Month 41 | 210,000 | 15.17 | 5,428.90 | $13,066,069 | 38,830,000 | $1,826.79 |
| Month 42 | 240,000 | 13.15 | 5,442.05 | $15,090,745 | 38,830,000 | $2,114.98 |
| Month 43 | 280,000 | 11.38 | 5,453.43 | $17,434,334 | 38,830,000 | $2,448.54 |
| Month 44 | 320,000 | 9.86 | 5,463.29 | $20,132,919 | 38,830,000 | $2,832.66 |
| Month 45 | 360,000 | 8.70 | 5,471.99 | $23,159,450 | 38,830,000 | $3,263.67 |
| Month 46 | 400,000 | 7.79 | 5,479.78 | $27,465,293 | 38,830,000 | $3,875.97 |
| Month 47 | 450,000 | 6.96 | 5,486.74 | $32,166,748 | 38,830,000 | $4,545.21 |
| Month 48 | 500,000 | 6.23 | 5,492.97 | $37,303,887 | 38,830,000 | $5,277.08 |
| Month 49 | 570,000 | 5.53 | 5,498.50 | $43,570,491 | 38,830,000 | $6,169.78 |
| Month 50 | 640,000 | 4.89 | 5,503.39 | $50,543,030 | 38,830,000 | $7,163.48 |
| Month 51 | 730,000 | 4.32 | 5,507.71 | $58,355,129 | 38,830,000 | $8,277.19 |
| Month 52 | 820,000 | 3.82 | 5,511.53 | $67,093,525 | 38,830,000 | $9,523.25 |
| Month 53 | 930,000 | 3.38 | 5,514.91 | $76,875,052 | 38,830,000 | $10,918.34 |
| Month 54 | 1,040,000 | 3.00 | 5,517.91 | $87,770,934 | 38,830,000 | $12,472.64 |
| Month 55 | 1,170,000 | 2.68 | 5,520.59 | $99,883,675 | 38,830,000 | $14,200.80 |
| Month 56 | 1,320,000 | 2.38 | 5,522.97 | $113,458,679 | 38,830,000 | $16,137.75 |
| Month 57 | 1,470,000 | 2.12 | 5,525.09 | $128,535,233 | 38,830,000 | $18,289.18 |
| Month 58 | 1,635,000 | 1.91 | 5,527.00 | $147,462,520 | 38,830,000 | $20,989.56 |
| Month 59 | 1,816,500 | 1.71 | 5,528.71 | $168,150,817 | 38,830,000 | $23,941.72 |
| Month 60 | 2,000,000 | 1.55 | 5,530.26 | $190,621,605 | 38,830,000 | $27,148.78 |
This is a model ledger, not a record of issued securities, deposited funds or completed transactions. No row represents shares you hold or cash you are owed.
▸How each monthly calculation works
1. Modeled revenue follows the monthly user path
Each existing user is modeled as contributing one full month of card spending and ATM activity; a user who joins during the month contributes half a month. All modeled users are assumed active and eligible at month end — real active-member and qualifying-spend records will differ. The sample member is assumed to make the full selected monthly spend from their start month onward.
Modeled interchange rates rise from 0.90% in months 1–12 to 1.00%, 1.10%, 1.20% and 1.30% in each subsequent 12-month period. ATM revenue uses a $2.33 per weighted user assumption. Net interest margin revenue uses $1.00 per user in months 1–21, $1.50 in 22–33, $2.00 in 34–45 and $2.50 in 46–60, reflecting modeled balances of $2,000–$5,000 at 0.05% per month. These are company revenue assumptions, not an APY offered to any depositor. Interest revenue counts end-of-month users while interchange and ATM count weighted users; that is a deliberate modeling convention, not a projection of either amount.
2. Pool funding is an assumption you select, not a profit
Each month the model funds the pool with the greater of a Net Interchange basis and a net income basis, using percentages you select. Both bases are assumptions. They are not verified net income, not a declared or expected profit, and not a representation that distributable cash or legally available funds exist in any month.
Modeled net income is a management estimate derived from the assumed contribution, not verified or GAAP net income. The underlying financial model records an operating loss in each of the first 18 modeled months, so the illustration sets net income to zero there and the Net Interchange basis applies, as Exhibit A provides. The model carries no expense projection beyond month 57, so months 58–60 use the same estimate without a modeled operating result; the page flags those months. Actual funding depends on Accrew’s real results, its obligations and applicable corporate-law limits on distributions, none of which this page establishes.
| Months | Management’s assumed contribution / combined revenue (used to derive modeled net income) |
|---|---|
| 1–9 | 25.00% |
| 10–21 | 50.00% |
| 22–33 | 55.00% |
| 34–45 | 63.13% |
| 46–57 | 73.41% |
| 58–60 | 79.87% |
The three case buttons scale that assumed contribution to 100%, 50% or 0%. They describe funding assumptions only — they are not profit scenarios and carry no likelihood. Accrew’s governing documents describe the funding obligation differently, and those documents control. Whether cash is available in any month depends on Accrew’s actual results, its obligations, and applicable corporate-law limits.
3. The issuance schedule sets the monthly allocation pool
Shares available for allocation come from a limited monthly pool, which runs in two phases. Months 1–25 fund growth from onboarding at a flat modeled rate; from month 26 the schedule holds member shares inside a band around the target and recycles redeemed shares instead.
| Months | How the pool is set |
|---|---|
| 1–25 | Redeemed shares recycled + 1,000 shares per new user |
| 26–60 | Target-band rule; no issuance against new users |
Only the onboarding phase creates net new shares; on the unscaled path it reaches 30,000,000 member shares by month 25, and month 26 issues the remaining shortfall to 31,000,000. From month 26 the pool is funded by recycling, so it tracks redemption volume rather than user growth. A month with no new users and no modeled redemptions produces no pool and therefore no allocation; the page flags those months. Redemption timing is a simplification: the schedule recycles same-month redemptions, while the program terms describe previous-month redemptions.
4. Allocation weights divide the pool
The tier weight is zero at $400 or below, 60% over $400 through $800, and 80% over $800. Both components are zero when monthly qualifying spend is $400 or below. Each qualifying invite applies a 20% weight to one average member’s modeled monthly spend, and your own qualifying spend must exceed $400 for any invite weight to apply. These percentages are allocation weights. They are not cashback rates, interest rates, profit-sharing percentages, dividends or a rate of return.
A weight is a position, not a quantity. The number of shares a weight produces depends on the size of that month’s pool and on the weights of every other eligible member in the same month, both of which change. This illustration holds other members’ behavior constant: if every eligible member selected the same inputs you did, their combined weights could exceed the pool, and real allocations would be proportionally smaller than shown. The page flags that case above the results.
5. Pool value changes with contributions and redemptions
Other members’ redemptions are modeled before that month’s funding and allocations. Optional new Class A shares enter afterward and share in the ending pool; no financing cash is attributed to them. The annual redemption assumption is converted to a monthly fraction rather than applied in full each month. The sample member is assumed to make no interim redemptions.
A displayed value is a formula output, not a market quotation, a liquidation value or a realized gain. Cash is received only after a lawful, approved and completed redemption, and any proceeds may be zero. Taxes, cost basis, transaction adjustments, fees, losses and redemption restrictions are not calculated. No redemptions by Class A holders, SAFE conversions, employee awards or other capital changes are assumed unless additional Class A shares are entered above.
▸Legal references
- SEC exempt-offering FAQs — Antifraud rules continue to apply to exempt offerings.
- 17 CFR §230.255 — Regulation A testing-the-waters requirements, where applicable. Required content depends on the offering stage; there is no assurance the supplied offering is qualified.
- FINRA Rule 2210 — Member communications, including projection restrictions. Applicability depends on the firm and use.
- FINRA Rule 2214 — The conditional investment-analysis-tool framework.
- 12 CFR §328.102 — Misleading deposit-insurance representations. Accrew Shares themselves are not insured deposits.
- Delaware General Corporation Law §160 — Corporate limits on acquiring a company’s own shares.
Hypothetical outcomes can be wrong
Revenue, costs, participation, defaults, fraud, refunds, member growth, financing, regulation and operational performance can differ materially from the assumptions. Cash contributions may be lower or unavailable. A company loss, restricted pool or failed business can leave shares with no realizable value. No outcome or time to reach a user milestone is guaranteed.
Ownership comes with restrictions
Class B shares represent an equity interest in Accrew, Inc. — not in any partner bank. They carry limited voting rights, have no public market and may be subject to transfer, ownership and redemption restrictions and to Owner Rewards adjustments. Formula values can rise or fall; the ability to obtain cash may be delayed, limited or unavailable even when a value is displayed.
Contributions are not profit-sharing
The pool contribution modeled here is the greater of a Net Interchange basis and a net income basis built from management estimates. The underlying financial model shows an operating loss in each of the first 18 modeled months, when only the Net Interchange basis applies, and no modeled operating result for months 58–60. Nothing on this page represents that Accrew has profits or cash available to fund an allocation.
No entitlement is created
Meeting the conditions in one month does not create eligibility in any other month or a contractual right to receive shares. Accrew may modify, suspend, reduce, adjust or discontinue Owner Rewards, change eligibility conditions and allocation weights, and correct or reverse allocations, including for refunds, reversals, fraud or error.
Not an offer, and not advice
This page is a general description of a program and a hypothetical modeling tool. It is not an offer to sell or a solicitation of an offer to buy any security, and it is not investment, legal, accounting or tax advice. Government qualification, if obtained, does not constitute approval of the securities, the business or the merits of an investment. Receiving, holding or disposing of shares may have tax consequences; Accrew does not provide tax advice.
Hypothetical illustration · USD. Owner Rewards allocations require qualifying spend above $400 in the applicable month, are conditional and discretionary, and are not cashback, interest, a dividend, a profit share or a return. Redemption is a discretionary request that may be denied, delayed or produce no payment. This page does not accept money, expressions of investment interest, applications, share subscriptions or redemption requests, and no transaction can be completed here.
Accrew is a financial technology company, not a bank. Accrew Shares are not FDIC insured, are not deposits, are not bank guaranteed, and may lose all value. Government qualification, if obtained, does not constitute approval of the securities, the business, the assumptions or the merits of an investment. Offering-stage legends and access to the current offering circular must be confirmed before any public offer or solicitation.
How Accrew Shares Work
Possible allocations
Eligible members may be eligible to receive a monthly Class B allocation. The 60% and 80% figures are allocation weights, and they apply only when monthly qualifying spend exceeds $400.
Growth Potential
A displayed share value is a formula output and can rise or fall. It is not cash, and it is not a forecast of profit. See Owner Rewards Terms.
Request a redemption
You may submit a redemption request through the mobile app. Approval is at Accrew’s sole discretion, and any payment may be zero. See Owner Rewards Terms.
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