What HomeTeams does

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Turn everyday spending into funding for the people you care for. Real money, earned passively at participating businesses, plus direct contributions from relatives near and far, pooled toward whatever your team needs to cover.

9:36
Tuesday, July 8HOMETEAMS WALLET
$Team Fund · $1,284.60Goal: March copays
++$4.12Groceries · Hilltop Market
++$50.00From Uncle Ray · for March copays
++$12.40This week, across the team
78%Goal progress$1,284 of $1,650
Cash out to bank · or spend on the virtual card

See it in the app

A Team Fund filling itself from spending that was happening anyway.

1

Everyone links a card they already spend with. Nothing new to carry.

2

Cash back accumulates passively at participating merchants, tagged to the goal.

3

The fund covers the cost. Cash out via ACH or spend on a virtual card.

Who it's for
Anyone sharing the cost of care: family, friends, neighbors
The job
Cover a real cost with money already being spent
The catch
None. No coupons, no points, no extra steps
The problem

Care is expensive. Medical copays, prescriptions, the unexpected bill. The costs add up, and they rarely stop.

The burden falls on one person. Asking others to chip in is awkward and manual: Venmo chases, spreadsheets, one-off drives that burn everyone out.

The money is already being spent. A whole community's everyday purchases could fund the need. It's just never captured.

How it works
1

Link a card

Connect the card you already spend with. No new card required.

2

Earn automatically

Cash back at participating local and national merchants, with no coupons or QR gymnastics.

3

Fund the goal

Route earnings into a shared Team Fund, earmarked for a specific need.

4

Invite contributions

Distant relatives and friends who want to pitch in can send money directly, to the whole team or to a specific goal.

5

Use the money

Cash out to a bank, spend on a virtual card, or let the fund cover the cost.

Why it's different

Funding, not fundraising. Recurring, passive earnings instead of one-off, exhausting drives.

Real money, not points. Cash out or spend anywhere the card works. Nothing to redeem.

Built for teams. Money is earmarked per team and per goal in a real ledger, so everyone knows what's for what.

Everyone can pitch in. Relatives who live far away can contribute directly to the team fund or to a specific goal, no awkward asks required.

Any care need. Medical, family, activities, emergencies: the goal is whatever the team decides. HSA accepted.

Trust by design. Double-entry ledger, reserve-backed balances, transparent per-team totals.

Under the hood

Bank-grade rails

Card-linked offers, a double-entry ledger, and reserve-backed balances. Every visible dollar is redeemable.

Encrypted, always

Financial data is encrypted in transit and at rest.

Transparent per team

Funds are earmarked per team and per goal, so everyone sees what's for what.

Spend anywhere

ACH cash-out to a U.S. bank, or a virtual card in Apple Pay / Google Pay.

HSA accepted

Use HSA funds where eligible.

iOS & Android

One HomeTeam, every device. Free to download.

The evidence
$7,242

Average annual out-of-pocket spending by U.S. family caregivers. For many, roughly a quarter of their income. The cost of care is real money, every year.

AARP · Caregiving Out-of-Pocket Costs Study, 2021
$7,300/mo

What one HomeTeams family saves each month by sharing care that would otherwise be full-time memory care: $10,000 a month brought down to about $2,000 with a HomeTeam in place.

HomeTeams · member family case study
EARN · SHARE · CARE