01
You rent, and save at the same time.
Your deposit is your membership share. Saving earns matched credits and a credit line, at no cost.
15,000
credits unlocks the home path
Your rent is making someone else rich.
So we built the alternative. A cooperative where the rent you already pay builds equity toward a home of your own.
01 Five years, either way
Same money. But you end up owning something.
Renting
$151,200
paid out over five years
$0
no equity, no title, no claim
Inside Clear
$141,000
paid out over the same five years
$90,000
credited to your equity balance
The monthly total inside Clear is $2,350 against $2,520 in rent — lower, not higher. The difference is where it lands.
Illustration of how the model works, on a two-bedroom in the Inland Empire. Not a quote.
02 One membership
Renter, owner, earner.
Not three ways of describing the same payment. Three phases, each with a gate you can see from your first day.
02
You take title. The land stays common.
Your payment splits into equity and a community fee. The land underneath is never sold.
Two signatures
a purchase agreement and your deed
03
You redeem it, and the equity travels.
Once your contributions cover the structure you hold it outright.
Portable
into another Clear home
03 Two doors, one transaction
Whichever side of the counter you are on.
You run the shop
2.5%
of the ticket, and you are paid on net-30
Jobs walk out every week because the customer cannot pay that day. The same job runs 6% to 12% on Klarna, Affirm or a store card.
Between you
3 min
from the code on screen to an approved plan
The shop enters the amount and turns the screen. You scan the code and approve it on your own phone — the split is never chosen on their device.
You are standing at a counter
2%
a cycle on what you still owe, so clearing early costs less
Your car needs $940 of work today. You pick how to clear it — in full, or split two, four or twelve ways.
No credit-score pull to approve your first plan.
04 Where this actually is
What exists today, plainly.
A co-op that asks people to save with it should be straight about what it has built. This list is maintained, not marketing.
- Member app — savings, credit, term plans, card
- live
- Merchant counter app
- in beta
- Protocol contracts
- in build
- First merchant partners
- signing
- First homes
- not yet
Savings, credit, term plans and the card are running. Accounts and cards on Lithic, wallets on Privy.
Built and ready for the first counters. Tablet-first, installs from a browser. Charge, show a code, refund with an owner code.
Public and open source. Savings-backed credit needs no outside capital, so it ships first.
Auto repair, tires and similar trades in the Inland Empire.
Twelve detached homes, paced to member savings and financing capacity. Land first.
05 The ledger
You should not have to take our word for the numbers.
Balances, credit lines, deeds and titles run on an open-source protocol held by an ownerless Wyoming foundation. The co-op is a user of it, not its owner.
github.com/Deed3Labs/Protocol-Contracts · AGPL-3.0