Subscribe
Sign in
Origin — The #1 app to invest, get advice & track spend.
Origin unites your finances with our all-in-one platform. Our app helps you budget, actively invest, and grow your savings with up to 5.8% APY (promotional rate). Plus, create a will and get AI-powered financial guidance when you need it.
155
Replies
Best
@mwatson my congratulations! I really like that Origin seeks to simplify financial management by merging numerous tools and services into a single platform, allowing customers to more easily attain their financial goals.
@max_savonin1 - yo yo! I'm the Product lead here for Origin Investments (aka brokerage), happy to answer a portion of this one for ya!
Fees: Origin does NOT charge any AUM (assets under management or advisory fees) that you’d often find elsewhere, which can be anywhere from 0.25% to 1% at competitors! Any operational costs we may have are priced in and already included with your monthly or annual membership to the Origin platform.
There are three ways to use Origin's brokerage platform:
1. The cash account provides access to an FDIC insured cash vehicle for shorter term savings needs.
2. The Automated Index account provides access to a variety of low-cost ETF-driven portfolios based on your risk tolerance and time horizon for longer term savings goals.
3. For investors who want to take a more hands-on approach, Origin offers Stock Bundles, which are typically 8-20 individual stocks tied together by a single theme or market trend. Bear in mind that the Stock Bundles are not actively managed and are non-discretionary in nature.
Security: We utilize bank-level 256-bit AES encryption and data is transmitted securely via HTTPS protocols. Our systems are monitored 24/7 and we partner only with industry-leading data hosting and security providers. Our partners also practice similar security measures.
Privacy: I think the basic user question here is probably, "Can I delete my account and data? And the answer is yes, just contact us. For our full privacy policy https://www.useorigin.com/legal/...
I've been using this product for the past month and have been extremely impressed... I think this is the best product out there for someone who understands their finances. I work in fintech and try nearly every product out there. Most of the products are designed for people with very simple finances - a bank account, an investment account and that's about it. I have very complicated finances and honestly there isn't anything as comprehensive that actually works like Origin. It having (as far as I know) the best APY is just icing on the cake. Highly recommend it!
@sheel_mohnot Love this!!! Thank you for checking us out and using Origin :)
@sheel_mohnot thanks for the product love! Especially appreciate the positive feedback from you as a fintech expert!
@sheel_mohnot I'm also a DIY FinTech fanatic, tried everything and hated most, until I found Origin, loved it so much I took a job here haha. Glad you're enjoying that APY icing! Let me know if you have any feedback on the Cash account (it's my team)!
@sheel_mohnot That is a very interesting take "most of the products are designed for people with very simple finances". I've been saying similar, - 100 million people already manage their stocks and investments at Robinhood to Schwab to Coinbase - so yes I like the way you put it.
Hey guys, this looks really cool. I'm gonna give this a try.
Right now I use Kabata for net worth tracking, Monarch for spending tracking.
Can you tell me some of the key differences of Monarch and Kabata and Orgin?
I'm gonna try orgin because it looks really cool but would love to hear your pitch specifically on how its diff from those two products, which I assume will be major competitors.
@thesamparr Hey Sam! Think of us as combining both assets and liabilities in one place. We calculate your net worth as a whole, and you can dive deeper into your transactions and categories for more detailed insights.
Our goal is to connect the dots at every level, helping you plan across different time frames—whether it’s building an emergency fund in the short term or planning for retirement.
Unlike most competitors who focus on just one area, Origin brings everything together, so you don’t have to bounce between different apps anymore.
I couldn't be more excited about this launch! We genuinely believe wealth management should be made different for everyone. Managing your finances should be simple, intuitive, fun, and enlightening. Please check it out, and do not hesitate to share feedback. We are here for you, with you ❤️
@gustavo_h_silva Same!! I'm so pumped about this moment. Going down in Origin history!!
@phounsouk_sivilay indeed! Excited to see more people saving for their future goals with proper guidance, support, educational content, and best-in-class investment instruments 🚀
That's really awesome!
I see that this space is still unfilled since there are a lot of apps, but all of them are different, and I do like your approach!
Installing it and giving it a try!
@viktor_surkov Let us know what you think! We’re always open to feedback.
So excited all these new features are live! I’m incredibly proud of our team. Can’t wait for you all to check it out!
Impressed by the potential 5.8% APY on savings! How does Origin ensure competitive rates, and what strategies are in place to maintain them? @mwatson
@marian_vovk - yo yo! I'm the product manager who launched Cash Accounts, so can give you my POV on this one!
1. Our cash account APY is variable and subject to change. As of today (September 5, 2024), our rate was 5.52% and we are offering a promotion to celebrate our launch that boosts your rate up to 5.8% APY for a limited time. Our full terms and conditions can be found at useorigin.com/legal
2. Regarding ensuring competitive base rates - we partner with a custodian (like most FinTech, since we're not a bank) who has something called an FDIC Cash Sweep account through their partner banks. And those partner banks evaluate what would be competitive rates to drive deposits and pass that along. And at the end of the day in the US, it's all based on the Federal Funds Rate set at the US federal reserve, which can/will fluctuate based on the needs of the economy.
Sorry if that was too detailed or technical (I am a PM after all haha)
A lot of finance apps try to do it all, but very few succeed at actually creating a genuinely useful, holistic, pleasing-to-use platform to the degree we have. You can tell that Origin has been crafted and refined into a truly ideal UX for one of the most important services out there 🔥
Wow, being part of this launch has been such a career highlight! It's been amazing to build something with this incredibly talented group of people, all while bringing our big dream to life – making wealth management more accessible.
With this launch, our members can now see all their finances in one spot, get smart tips to level up their money game, and actually put those ideas to work by investing, saving, or planning for retirement (all without having to spend thousands of dollars a year!!). I'm totally blown away by how gorgeous the app looks! Big congrats to everyone at Origin – I can't wait to see what we cook up next!
@alex_pigott Such a team effort. Origin really is that place to build wealth. We did it.
We’re building something truly special, extremely helpful, and exceptionally beautiful. Lots more to come!
Interviewing customers, working with this team, and building a product that I believe will truly make a difference in people's lives has been such a career high! Everyone deserves to feel confident about about their finances and I know Origin can help you get there! Take it for a spin and let us know what you think.
Looks like a very user-friendly way to track your spendings! I'd love to try it. Interested in how your guys manage to protect your users personal data.
@alexandra_describy Welcome to our launch ❤️ and thanks for your comment!
Data privacy has always been critical for us since the very start, especially given of our founding in 2018 as a financial wellness provider for employers. We have been SOC2 Type 2 and GDPR compliant for the past four years. We’ve been trusted by several Fortune 500 companies and other large established organizations such as Jacobs Engineering, Reddit, the NBA, Guild Education, Modern Health, Chime, and DocuSign, and many others where we've undergone rigorous cybersecurity reviews and audits.
We offer a 30-day free trial so you can explore all the features risk-free before committing. Feel free to reach out with any questions!
Big day for Origin today! Wealth management has historically been confusing, complex and frankly scary for most people. Navigating the financial system is not easy. Origin has reimagined this space and brought together an incredible all-in-one platform for spending, budgeting, saving, filing taxes and getting the world class advice and guidance.
Finally keeping it all in one place. i never thought i would be so stoked on a finance app but here we are.
LFG, Origin team!!! The everything finance app keeps bringing the fire to what us everyday consumers need and want.
@kevin_sachs Thank you for the note! So excited for you to check it out.
I couldn’t be prouder of what we’ve achieved together over the past few months. From expanding our suite of investing products to making AI a true differentiator in the market that helps you answer money questions in real time, we are now the most powerful wealth building platform.
@alex_lavian So pumped these features are live! I think it's what makes our product so special and shine.
This is huge! This is absolutely insane, so thrilled to be a part of Origin in such as time as this. Congratulations everyone and let's go for it!
Origin