Hey — I'm Matt.

I was ranked the #1 speaker in the country, coached two debate national champions, and founded a handful of companies across the gamut. 4 days ago I started building a bank that can't be corrupted. A bank whose incentives are flipped to favor its members. It's the most important thing I'll ever build.

Most banks feel the same because they are the same. Different fonts, same incentives. They make more money when you make less - on spreads, fees, fine print, and the hope that you're not paying close attention. You can sense it, even if you can't put your finger on it. Something about the whole relationship feels... off.

I don't want to build another one of those. In fact, I don't want to build a "bank" in the traditional sense at all.

What we're building is a Membership Bank. You pay a simple membership fee, and that lets us flip everything upside down. We don't need to squeeze you. We don't need to hide margins. We don't need to trap you with tricks. The membership funds the operation, and the economics of every financial product go back to you. That's the whole model. Alignment over extraction.

It's embarrassingly straightforward. But the industry is allergic to straightforward.

When you remove the incentive to mistreat the customer, what's left is the kind of bank people always assumed they were getting but never actually did: highest-yield savings, real cash-back, better borrowing, no fees, no games, no adversarial nonsense. Just a place that doesn't work against you.

I'm not trying to "innovate in fintech." I'm trying to fix something basic: the relationship between a person and the institution that holds their money. It should feel like trust, not tension. Like clarity, not suspicion. Like you're getting ahead, not falling behind.

This is the start of a bank that can't be corrupted because the incentives don't allow it. A bank where you get two paychecks: one from your employer, and one from the system that's finally working for you instead of against you.

If that sounds obvious, good. The best ideas usually do.