Positive Finance

🏢 Business

Brand Rebranding: Positive Finance has recently been rebranded (circa 2022-2023) to reflect its transformation into a broader impact finance platform. is a Fintech company positioned as a Public Benefit Corporation that empowers community members, nonprofit volunteers, donors, and ordinary users through innovative financial services to achieve their financial goals and social impact. Its core philosophy is "Save for good", which connects users to traditional bank accounts through a mobile app to provide convenient savings and donation services.

📋 Basic information

Original brand name: bunny.money

Current brand name: Positive Finance

operation
, and according to its official website and platform X, Positive Finance continues to operate and actively promote its services.

BackgroundPositive

Finance focuses on financial technology, emphasizing social responsibility and community empowerment. Its business model revolves around users managing their personal finances through a mobile app, while supporting donations from non-profit organizations, reflecting a public interest orientation. The company is certified by B Corporation, demonstrating its commitment to governance, community, environment, and more than traditional corporate standards.

Enterprise StructurePositive

Finance's corporate structure information is not publicly available, and it may be a flat start-up structure, with core departments including technology development, user support, and community operations.

Shareholding structureInvestors
in Positive Finance include Le Village by CA, an accelerator that supports start-ups, but the exact shareholding ratio or shareholder structure was not disclosed.

The nature of the company is
a public benefit corporation, which takes into account both profit and social influence, which is different from a traditional limited liability company or joint-stock company.

🏷️ enterprise classification

Positive Finance belongs to the financial technology (Fintech) industry, which is subdivided into personal finance and social impact finance. Its business model combines digital banking capabilities with a charitable giving platform, similar to a hybrid of "impact investing" and "digital wallets."

📊 market segment

Positive Finance primarily serves the U.S. market and targets socially responsible individuals, non-profit volunteers, and donors. Its market positioning is an emerging "ethical finance" space, competing with traditional banks and some digital banks (such as Chime and Aspiration), but differentiated through social influence.

💼

Positive Finance offers personal savings and social impact donations through a mobile app.

Its core business includes:

• personal financial management: users can connect to traditional bank accounts and set savings goals through the app.

• Nonprofit Donation: Provide a nonprofit marketplace where users can donate to charitable projects to support social welfare.

• Employee benefits platform: Provide enterprises with the "Save for good®" app to help employees save, donate and invest in impact, and employers can set up matching donation plans.

• Sustainable Finance: Plans to launch sustainable finance products, such as impact investment assets (not yet fully live).

With an emphasis on convenience and social impact, users can achieve a win-win situation for both individuals and communities through the "Survive for a Better Tomorrow" approach.

🛡️ Regulatory information

As a U.S.-registered public interest company, Positive Finance may be subject to oversight by the U.S. Securities and Exchange Commission (SEC) or state-level financial regulators, but the specific regulators are not explicitly disclosed.

As bunny.money's services involve the connection of users' bank accounts, it may be subject to U.S. Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) regulations, but the exact details of compliance are not disclosed. Users are advised to contact bunny.money officials directly for the latest regulatory information.

📈 trading products

Positive Finance does not offer financial trading products in the traditional sense (such as stocks, bonds, or forex trading). Its "Transaction" function is mainly reflected in:

• savings transfer: users can transfer funds to a savings account or non-profit donation within the app.

• Donation allocation: Users can choose to donate to specific non-profit organizations, and the flow of funds is transparent.

💻 trading software

Positive Finance's core trading platform is a self-developed mobile app (supported on iOS and Android platforms). The app provides:

• account connection function: interface with the user's traditional bank account.

• Savings & Donation Management: Users can set up a savings plan or make direct donations.

• User-friendly interface: Simplified operation, suitable for non-professional financial users.

It was not disclosed whether it supports web or third-party trading software.

💳 Deposit and withdrawal methods

Deposit Method:

• Users link a traditional bank account to Positive Finance through the mobile app, and funds can be transferred directly from the bank account to the in-app savings account.

• ACH transfers, a common electronic funds transfer method in the United States, may be supported.

Withdrawal method:

• users can transfer their savings back to the linked bank account.

• Donations are irreversible transactions, and funds flow directly to non-profit organizations.

The fees, limits, or processing times for specific deposit and withdrawal methods are not disclosed.

📞 Customer Support

Positive Finance provides the following customer support channels:

email

• : the official website provides a contact email address, and the specific address needs to be viewed by the user by visiting Positive Finance.

• Social Media: Engage with users and respond to user inquiries through Platform X (@thebunnymoney).

• In-app support: Mobile apps may have a built-in help center or customer service feature.

No phone support or 24/7 customer service information is disclosed, and customer support is mainly digital.

🔍 Core business and services

Positive Finance's core business revolves around "saving for a better tomorrow", including:

• Personal Finance: Helping users plan their savings and set financial goals through a mobile app.

• Social Impact Donations: Users can support charitable projects through the non-profit marketplace to enhance community impact.

• Financial literacy: Provide tools and resources to help users understand the long-term value of saving and donating.

Its services emphasize user empowerment and social responsibility, which is different from the profit-oriented model of traditional banks.

🖥️ Technical infrastructure

Positive Finance's technical infrastructure relies on:

• mobile app platform: self-developed iOS and Android apps with modern front-end and back-end technologies (such as React Native or similar frameworks).

• Bank account integration: You may use Plaid or similar APIs to enable a secure connection to a user's bank account.

• Data security: As a fintech company, you are subject to data protection standards such as GDPR (if serving European users) or CCPA (California Consumer Privacy Act), but the exact technical details are not disclosed.

⚖️ Compliance & Risk Control SystemCompliance

System<

Risk control system:

• may use identity verification, transaction monitoring and other measures to prevent fraud or money laundering risks.

• Data encryption and user privacy protection are the technical focus, but the specific risk control process is not disclosed.

📍 Market Positioning and Competitive AdvantageMarket

Positioning:

Positive Finance is positioned in the "ethical finance" and "social impact" markets, targeting young users and non-profit supporters who are concerned about community contributions and personal financial health.

Competitive Advantage:

• Public Interest Company Identity: Certified by B Corporation to enhance user trust.

• Simplified user experience: The mobile app is designed to be intuitive and suitable for non-expert users.

• Social impact orientation: Combine savings with donations to attract ESG-conscious users.

Compared to traditional banks (such as Chase) or digital banks (such as Chime), Positive Finance is unique in its philanthropic orientation and community empowerment.

🤝 Customer support and enablement

Positive Finance empowers customers by:

• educational resources: provide guidance on savings and donation planning, and improve users' financial literacy.

• Community Participation: Through the non-profit marketplace, users are encouraged to participate in social welfare.

• Transparent operation: The flow of donations is clear, and user trust is enhanced.

Customer support is digital-focused, with a focus on responsiveness and user experience.

🌍 Social Responsibility & ESG

Positive Finance's Social Responsibility & ESG (Environmental, Social, Governance) performance is its core competency:

• Environment: No explicit disclosure of environmental initiatives, but B Corporation Certification requires that it meet certain standards in terms of environmental management.

• Society: Support community projects through the non-profit market, and help poverty alleviation, education and other public welfare undertakings.

• Governance: As a public interest company, its governance structure needs to balance profitability and social impact, with a B Impact assessment score of 125.1 (much higher than the average corporate score of 50.9).

🤖 Strategic Cooperation EcosystemPositive

Finance's strategic partners include:

• Le Village by CA: As an investor, provide accelerator support to help its technology and market expansion.

• Non-profit organizations: Partnering with a number of charities through the non-profit marketplace, the exact list is not disclosed.

In the future, API cooperation may be established with more fintech companies or banks to enhance the account integration function.

💰 financial health

Public information does not disclose specific financial data (such as revenue, profit, or asset size) of Positive Finance. According to CB Insights, it received an investment from Le Village by CA, indicating some financial support. As a start-up, its financial health may depend on external funding and user growth, and further disclosure is required.

🚀 future roadmap

The future development direction of Positive Finance includes:

• user base expansion: through marketing and community activities, attract more users who care about social impact.

• Functional upgrades: Investment products, wealth management tools or multi-currency support may be added.

• Geographic expansion: currently dominated by the United States, and may enter other English-speaking countries in the future.

• Technical optimization: Continuously improve the functions of mobile applications to enhance user experience and data security.

Positive Finance is a social impact-focused fintech company that provides savings and donation services through a mobile app, combining personal financial management and community empowerment. Its status as a public interest corporation and B Corporation puts it in a unique position in the ethical financial market. Due to the limited nature of public information, some details (such as regulatory certificate numbers, executive backgrounds, and financial data) are temporarily missing, and users are advised to further verify through official channels. In the future, Positive Finance is expected to expand its influence in the fintech field through technological innovation and strategic cooperation.