You, Co. is wholly owned by its members and its team. No venture capital. No banks.1
are you good at money?
About 2 minutes. No account, no credit card, no bank connection.
You, Co. is wholly owned by its members and its team. No venture capital. No banks.1
the biggest trades happen at home.
As much as 20 cents of every dollar we take home just drifts.
illustration only.
← keep · ↑ not me · trade →
trade up. every day.
every dollar you spend is a trade. build your edge with YouScore™.
Drift is spending you wouldn’t choose if you stopped to think for a moment longer.
The financial system is designed to encourage drift: powerful AI nudging us in our social feed, at the checkout aisle and whenever we tap our credit card — and a minimum payment set just low enough to keep us paying month after month. YouScore™ exists to get drift to zero. Zilch. Nil. Nothing. Every dollar, spent your way.
You, Co. estimate, Oct 2026 · BLS, Consumer Expenditure Surveys, 2024 · CFPB, The Consumer Credit Card Market, Dec 2025
curious? try the free Snapshot.
Your credit score was never about you. YouScore is different.
Takes about 2 minutes. No account, no name, no credit card.
Example only, not a real score. YouScore™ is an educational financial measure — not a credit score and not financial, investment, tax or legal advice.
two clocks.
One clock tells you where you’re at. One tells you where you’re headed.
Foundation.
The structure you’ve built — it moves slowly. Months of rent and essentials covered, what your debt costs, how much saves itself without you, whether you’re covered for the handful of things that undo everything else. It moves the way fitness moves.The structure you’ve built — it moves slowly. How many months of rent and essentials could you cover if the money stopped coming in? What’s your debt costing you, and which way is it going? How much of your pay saves itself without you? Are you covered for the handful of things that can undo everything else? It moves the way fitness moves: over months, in response to what you keep doing.
Trajectory.
What this month’s habits are doing to it — it moves fast. How much of what you spent on wants you actually meant to spend, how much of what was left you kept, whether you spend when you’re running on empty. Fast enough to connect to what you did.What this month’s habits are doing to it — it moves fast. Of the money you spent on wants, how much did you mean to spend, and how much just happened? Of what was left after essentials, how much did you keep? Are you spending when you’re running on empty — late at night, after a hard day, in the crunch before payday? It moves fast enough that you can connect it to what you actually did.
seasons, not sentences.
Adding two clocks together lands you in one of five bands. A 280 score is simply where you are this month — next month can look very different. That’s the fast clock at work.
Grounded
0–149
On the ground. Nothing yet to absorb a shock.
Maneuvering
150–299
On the ground, handling what you have. Not airborne yet.
Airborne
300–449
Off the ground. Not much altitude yet.
Climbing
450–749
Gaining altitude. Not yet at cruising height.
Cruising
750–1,000
At altitude. The work now is staying there.
money that answers to you.
You™ is a member-funded public benefit company, owned by the people who use it.You™ is a member-funded public benefit company, owned by the people who use it.1
scored on what you do, not what you have.
The score looks at things like months of rent and essentials covered and savings as a share of what comes in.
no black box ever.
Every formula published — every weight, every curve, every threshold.
we own our mistakes.
When we get something wrong, we publish the mistake and the fix.
this is not a credit score.
It measures whether your money, day after day, does what you want it to do.
Member ownership
who’s behind this company? you.
take back control.
A record 55% of Americans say their finances are getting worse. The average credit card now charges 22% interest, so every $1,000 in balances costs you an average of $220 a year. Paying cash or debit for your eggs means funding the 3% cashback of that guy with the fancy rewards card. This isn’t a you problem. The system handling your money is built for the people who have more.
Gallup, April 2026 · Federal Reserve, G.19 Consumer Credit, August 2026 · Harvard Business School / NBER, “Who Pays for Payments?”, 2026
Your feed answers to advertisers. Your bank answers to Wall Street. You™ answers to you. 80% of the company’s shares are reserved for sale only to its members in good standing, 20% for its team, zero for venture capital and banks. That’s the shape of the company.Your feed answers to advertisers. Your bank answers to Wall Street. You™ answers to you. 80% of the company’s shares are reserved for sale only to its members in good standing, 20% for its team, zero for venture capital and banks. That’s the shape of the company.12
The 80/20 rule
80%
reserved for sale to its members in good standing
20%
owned by its team
0%
owned by venture capital and banks
100 million authorized shares, one economic class: 80 million shares reserved for members. Shareholder protections built into our charter.100 million authorized shares, one economic class: 80 million shares reserved for members. Shareholder protections built into our charter.1
members only.
Members are the only people who can buy these 80 million member shares. Become a member for the opportunity to own a part of You.Members are the only people who can buy these 80 million member shares. Not funds, not angels, not the people who already own everything else. Become a member for the opportunity to own a part of You.2
ten shares per member a quarter. a dollar a share.
Once our offering opens, members in good standing can buy up to 10 shares a quarter at $1.00 a share for the planned offering. Ten dollars.Once our offering opens, members in good standing can buy up to 10 shares each quarter, at $1.00 a share for the planned offering. Ten dollars.23
our shareholders? you.
Every company answers to someone. This company answers to you.1
Membership and member shares are two different things. Your fee buys a membership and our services — no stock, no right to stock. Buying shares, if and when available, is a different transaction.Membership and member shares are two different things. Your membership fee buys a membership and the services we provide — it buys no stock and no right to stock. Purchasing shares, if and when available, is a different transaction.2
Join the movement.
get on the list.
The first group is invited personally by existing members only. Drop your email to get on the list. Admission is limited to a certain number of new members each month.