Hey — I'm Matt.

I was ranked the #1 speaker in the country, coached two debate national championships, and founded a handful of companies across the gamut.

18 days ago I started building something the world has never had: membership banking.

Banks aren't allowed to use the word fiduciary. But we're building something functionally better. An institution that behaves in your best interest because it is paid to behave in your best interest.

Traditional banks make their money off your money. If they give more of it to you, they make less. So the system naturally pushes them toward higher spreads, lower yields, hidden fees, friction, and fine print. That adds up to roughly a trillion dollars a year in profit — money made from customers’ capital that almost never finds its way back to them.

So we're throwing out the old model. You don't fund us by being exploited. You fund us the way people fund Costco: through a simple membership that flips every incentive. Once the membership supports the business, every economic advantage flows back to you. That's the entire design. Alignment.

When you remove the incentive to squeeze people, what you get is the financial system people always wished they had but never actually did:

• highest-yield accounts by default
• 2x rewards on spending — no caps, no categories, no games
• loans priced at cost — no marketing fees, no referral cuts, no traps
• no fees, no gimmicks, no adversarial nonsense

Just a system that pays you for participating instead of punishing you for trusting it.

That's the future we're building. A place where you don't just get one paycheck from your employer. You get a second one from your bank.

That's Faira.