The Bliss Debit Card gives you cashback on eligible purchases. Every month the money you earn is deposited into your Bliss Account and allocated into your Savings Pocket.

But Bliss does something even more with your cashback—and we call it TimeBack™.

TimeBack™ is an algorithm that references your Up Next savings goals and references your rolling 30-day savings rate ∑ to calculate how much closer you are to reaching your next savings goal, as measured by a unit of time.

Nifty, right?

Within the Bliss App, you’ll find a few references to TimeBack™, including a full example of how the algorithm works within the app!

Bliss, amongst other things, will tally the total number of hours of TimeBack™ you’ve received. This is to demonstrate that you’re making progress towards your goals as you spend on the essentials, experiences, and more between paydays.

This feature was built to reflect how incredible hard saving up for significant purchases can be. For our Butterflies, our transgender and intersex customers, one of the biggest and most daunting costs can be gender affirming surgery. This surgery, even if covered by insurance, is still likely susceptible to an Out of Pocket Maximum which can be ≈$10,000. TimeBack™ is designed to create hope as folks incrementally make their way to their goals. Having a surgery day and an affordability date are equally important.

For our Blackbirds, our customers who are survivors or victims of domestic violence, they may need to save up to secure their own safe place. Breaking a lease, moving, rent deposits, and more contribute to a multi-thousand dollar purchase. And when you are enduring hell, be it remaining in your existing home or because you have temporary shelter, having a line of sight on the horizon in which you’re able to have your own place again can provide hope.

TimeBack™ is also how Euphoria, the parent company of Bliss, makes money. Each time you swipe your card, we get some money too. This allows us to pay for staff, development, and other expenses associated with the company. This means that we have a natural incentive to promote this feature, but we wanted to do it in a meaningful way.

The TimeBack™ Algorithm reflects one of our most absolute beliefs in that we don’t think of money as an object to be hoarded. Rather, we think of it as a tool that can help folks move forward through time.

In other words, the more money you have the faster you can reach your goal. The faster you can reach your goal, the more time you have to apply to your other endeavors.

•In 99% of domestic violence cases, there is financial abuse.

•Transgender and intersex men, women, and individuals are 4X more likely to experience poverty than their cisgender peers.

•All human beings require money to maximize their movement into better places. At Bliss we firmly believe that a chance of circumstance is far more powerful than a change of mindset.

This symbol is used to denote TimeBack™ features. This icon sits at the top of TimeBack™’s imagery.

Bliss will look at the last 30 days sum total of contributions to your Bliss account to calculate this figure. The Savings Rate is a sum that includes both allocations into and out of Bliss’ Savings pocket.

This symbol is how you designate your Up Next goal which is what Bliss will use to calculate TimeBack™.

Banking
Banking services and the Bank Account are provided by Jiko Bank, a division of Mid-Central National Bank, Member FDIC. Subject to transaction dollar amount or frequency limitations set forth in the Bank Account Limitations Disclosures.

Investments
Investment services and the Brokerage Account are offered by Jiko Securities, Inc. (“JSI”). JSI is a member of the Financial Industry Regulatory Authority, Inc. (“FINRA”) and the Securities Investor Protection Corporation (“SIPC”). Explanatory brochure available upon request or at www.sipc.org. Securities investments: Not FDIC Insured; No Bank Guarantee; May Lose Value. Past performance is not indicative of future performance. See FINRA BrokerCheck and Jiko U.S. Treasuries Risk Disclosures. JSI invests funds in Treasury Bills in $100 increments. Aggregate funds in your Brokerage Account of less than $100 will remain in that account in cash. Earnings on Treasury Bills may be exempt from the state and local taxes. We do not provide tax or legal advice. Please refer to your financial advisor or tax professional for advice. Learn more here.