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ESHE Pay: Payments and Banking For Women.

Financial services designed for the way women earn, spend, save, borrow, lend and learn.

$5
pledged of$100,000 goal
1
13Days Left
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Campaign Ends on June 11, 2024

Project Description

OUR MISSION: Is to provide alternative payments and banking services specific to the needs of women. 

ESHE Pay will provide a fast, low fee, secure, user-friendly, empowering payments and banking platform, specifically designed for women, to close gaps and create more financial inclusion, provide financial literacy, bank the under and unbanked, and empower women globally through learning and community. We are in  process of developing an innovative payments and banking app designed exclusively and uniquely for women, leveraging cutting-edge technologies such as Blockchain, Artificial Intelligence (AI), Machine Learning (MI), Large Language Models (LLM).

THE PROBLEM: Women still face financial inequities and need an alternative to the current offerings provided by traditional financial services. The financial industry has maintained a one-size fits all approach to financial services.  We believe "Financial inclusion" has become an industry buzz word that undervalues and undermines the financial power of women.  Women have trillions in consumer power however, we still lag behind financially. The statistics show that women:
 

  • Are 5x more likely to live paycheck to paycheck. 

  • Nearly 70% of millennial women don't save money because they are only earning enough to get by. 

  • 60% of GenX women have only 1k savings. 

  • Women graduate with more student debt and are paid less.

  • Women of color have the added challenge of systemic obstacles to high earning and wealth generation.  

  • An estimated 1.1 billion women are left out of the formal financial system. 

  • The World Bank Global Findex data reveals that 55% of the global unbanked are women.*

  • In developing countries, 59% of men have an account, compared with 41% of women.  
     

GLOBAL WORKFORCE OF WOMEN: We also need to address the obstacles faced by women working abroad, away from their home country's in low wage jobs, with language and system barriers that create obstacles and safety concerns.  As a result, many women are forced to remit through channels that charge higher fees, leaving them with less earnings with which to sustain themselves and their families. 

FINANCIAL INCLUSION: Is not just a buzz word for us. We believe that inclusion and cooperation are native to women and has been the way women has supported families and communities to survive and thrive.  The financial inclusion we want and deserve can only come from women supporting women.

THE PRODUCT: Our product will provide women with an alternative to traditional services. The platform will uniquely cater to the needs of women. We are developing a regulated, licensed, compliant and secure payments and banking platform that will offer an ecosystem of financial services and financial literacy education designed for women.  The technology we  use will enable secure, fast, cheap international money transfers, leveraging Blockchain and A.I. will ensure transparency, reduce fees and ensure secure transactions. A secure wallet will allow P2P payments in the chosen currency which can also be stored in the wallet. Identity and authorization protocols will protect customers against scams and hacking.

WHY WE NEED FUNDS: We are seeking funds to development the app, technical research, market research, legal, licensing, regulatory compliance, operations, customer acquisition, sales, human capital, beta testing and soft launch. 

THE TEAM:
Hi, my name is Dione Crutchfield Sparrow: I am a combat veteran who served during the Gulf war.  I have been fortunate to have over 20 years experience in several areas including corporate, not for profit, government, entrepreneurship and military service. My background has provided me unique skills. I grew up in a multi-ethnic, culturally diverse community with immigrants. As a woman of color and entrepreneur, I have experienced first hand different areas and levels of the financial system concluding that it does not work for women, especially women of color.

Hi, I'm Om Saetehn: I am a first generation immigrant to the U.S. from Southeast Asia. I grew up in Thailand with my mother who was a single parent. I have 6 years of experience in startup software businesses and software development cycles, spearheading, researching, developing web applications in a range of technology stacks. 

We believe our diverse background, technical, business acumen, understanding our customer's pain points, being a women lead team with an  intimate understanding of the problems gives us an advantage and qualifies us to do this work. We are as great team to provide a solution.

We thank you in advance for your support and we would love for you to come on this journey with us as we serve women and create a platform to harness our economic power.
 

The Campaign FAQs

Frequently Asked Questions:

1. What is rewards-based crowdfunding? Rewards-based crowdfunding is a fundraising method where individuals contribute money to a project or campaign in exchange for non-financial rewards or perks. These rewards can vary widely depending on the nature of the project, ranging from early access to products, exclusive experiences, merchandise, or personalized items.

2. How does rewards-based crowdfunding work? In rewards-based crowdfunding, creators set a funding goal and a timeline for their campaign on a crowdfunding platform. Backers pledge money towards the project in exchange for rewards offered by the creator. If the funding goal is reached within the specified timeframe, the project receives the funds, and the creator fulfills the promised rewards to backers.

3. What are the benefits of participating in a our rewards-based crowdfunding campaign?

  • Access to Exclusive Rewards: Backers get access to unique rewards or perks that may not be available elsewhere.
  • Supporting Creativity and Innovation: By backing our project, you directly support the development bring our idea to life.
  • Support Women in Tech: The number of women in the technology space is still far less than men. Though Women tech company founders have increased in the last 20 years, we still receive 2% of the funding.  Your decision to back our projects provides support that will play a role in our success.

4. When can I expect to receive my rewards? The timeline for receiving rewards is at the conclusion of the campaign (30 Days). We estimate delivery to be between April 1st and April 15th 2024. Delivery delays may occur due to unforeseen circumstances however, we will do our best to make sure we send out your rewards in order for you to receive them in the time frame provided.

7. What if I have concerns about the progress of a campaign or the delivery of rewards? If you have any concerns about a campaign or the fulfillment of rewards, you can reach out to us directly through the crowdfunding platform's messaging system. You can also reach out to  customer support to assist with any issues or questions.

8. Is my pledge refundable if I change my mind? Generally, pledges in rewards-based crowdfunding campaigns are non-refundable, especially when the funds given are considered a contribution rather than a purchase, we are asking backers to read and understand there are risks involved in supporting startups

9. Can I increase my pledge amount after I've already backed a project? Yes, you can modify your pledge amount during the campaign period. You can typically adjust your pledge by visiting the project page and selecting the option to "manage your pledge."

10. Are there any fees associated with backing a campaign? Yes, most crowdfunding platforms charge a fee for processing payments and hosting campaigns. Additionally, backers may also incur transaction fees from payment processors such as credit card companies, Stripe or PayPal. It will be beneficial to us if  you pledge your support with those fees in mind.

Remember to carefully review the campaign details, including the reward tiers and project description, before making your pledge. Your support can make a significant difference in helping ESHE Pay off to awesome start!

 

 

Quadrainvest
03/09/2024
Monetary Contribution
$5
Monetary Contribution

Just Because I Care

1 Supporter
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Reward image
25.00 USD
We Appreciate You! 🙏

Thanks for Supporting! Your name/pic will be on ESHE's Warrior Women page.

0 Supporters
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Reward image
50.00 USD
Thank You! You Are a Star 🌟

Represent ESHE with ESHE Pay Tee 👕/name and pic on ESHE's Warrior Women page .

0 Supporters
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Reward image
100.00 USD
Thank you! You Are an ESHE Angel 👼🏽

 Represent ESHE w/ESHE Pay Hoodie/name and pic on ESHE's Warrior Women page 

0 Supporters
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Reward image
200.00 USD
Thank You for Supporting our Vision💫

Represent ESHE w/a ESHE Pay Tote Bag and Water Bottle/name and pic on ESHE's Warrior Women page.

0 Supporters
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Reward image
500.00 USD
Thank You! You are Amazing 👑

Represent ESHE w/ a ESHE Pay Tee, Water Bottle, Tote Bag/name and pic on ESHE's Warrior Women page.

0 Supporters
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Reward image
1,000.00 USD
We Are So Grateful! You Are an Angel👼🏽

Represent with a ESHE Pay Tee, Tote Bag + 10% discount on the first three months of services + your name and pic on ESHE's Warrior Women page.

0 Supporters
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Reward image
2,500.00 USD
WoW! You Are an ESHE Pay Warrior 💸🙏🫅

Represent ESHE Pay with a Tee and Tote, your name and pic on ESHE's Warrior Women page  + Three months free membership in our sovereign women financial literacy program + 10% discount on the first three months of services.

0 Supporters
Select this reward
Reward image
5,000.00 USD
You Are a Visionary! We're Thankful🙏

Please accept our Founders Bundle which contains an ESHE Tee + Tote, Wall Art Piece + your name and pic on ESHE's Warrior Women page + 15% discount on the first three months of services and 6 months Free membership in our Sovereign Women Financial Literacy Community.

0 Supporters
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About the Entrepreneur

Sheridan, WY
Created 1 Campaign
Business Services
Family
Social Good
Tech

Rewards

Monetary Contribution

Just Because I Care

1 Supporter
Select this reward
Reward image
25.00 USD
We Appreciate You! 🙏

Thanks for Supporting! Your name/pic will be on ESHE's Warrior Women page.

0 Supporters
Select this reward
Reward image
50.00 USD
Thank You! You Are a Star 🌟

Represent ESHE with ESHE Pay Tee 👕/name and pic on ESHE's Warrior Women page .

0 Supporters
Select this reward
Reward image
100.00 USD
Thank you! You Are an ESHE Angel 👼🏽

 Represent ESHE w/ESHE Pay Hoodie/name and pic on ESHE's Warrior Women page 

0 Supporters
Select this reward
Reward image
200.00 USD
Thank You for Supporting our Vision💫

Represent ESHE w/a ESHE Pay Tote Bag and Water Bottle/name and pic on ESHE's Warrior Women page.

0 Supporters
Select this reward
Reward image
500.00 USD
Thank You! You are Amazing 👑

Represent ESHE w/ a ESHE Pay Tee, Water Bottle, Tote Bag/name and pic on ESHE's Warrior Women page.

0 Supporters
Select this reward
Reward image
1,000.00 USD
We Are So Grateful! You Are an Angel👼🏽

Represent with a ESHE Pay Tee, Tote Bag + 10% discount on the first three months of services + your name and pic on ESHE's Warrior Women page.

0 Supporters
Select this reward
Reward image
2,500.00 USD
WoW! You Are an ESHE Pay Warrior 💸🙏🫅

Represent ESHE Pay with a Tee and Tote, your name and pic on ESHE's Warrior Women page  + Three months free membership in our sovereign women financial literacy program + 10% discount on the first three months of services.

0 Supporters
Select this reward
Reward image
5,000.00 USD
You Are a Visionary! We're Thankful🙏

Please accept our Founders Bundle which contains an ESHE Tee + Tote, Wall Art Piece + your name and pic on ESHE's Warrior Women page + 15% discount on the first three months of services and 6 months Free membership in our Sovereign Women Financial Literacy Community.

0 Supporters
Select this reward