Origin is the all-in-one money management platform. We're here to open up the financial conversation — helping you grow, track, manage, and save, all from one place.

Hey Product Hunt! I’m Matt Watson, founder of Origin. Origin is reimagining wealth management for the next generation. We’re an all-in-one platform, where you can track your spending and budget, actively invest, save, file taxes, and get expert financial guidance. We’ve come a long way from when we started 5 years ago… Back then, we launched Origin as a financial wellness benefit. We worked with leading employers to help their employees understand stock options. Equity was a black box. We started building and selling a product that helped employees understand their stock options and learn how to make smart financial decisions around equity. Then, we expanded into spending, net worth, and investment tracking and are now used and loved by employers such as DocuSign, Reddit, and Modern Health. We’re the #1 budgeting app in 2024, ranked by Forbes. Last year, we took our product direct to consumer. We brought online even more features beyond tracking—including tax filing and estate planning—to become the most comprehensive wealth-building platform. Today, we’re launching Origin on ProductHunt to celebrate the significant updates we’ve made to our platform and our new features. Here are a few of my favorites: * 5.8% APY* High-Yield Cash Account: Put your money to work with an industry-leading cash account at 5.8% APY* (promotional rate). * Intelligent AI-powered Insights: Get smart notifications on your spend velocity, credit score changes, and portfolio movement. * Improved AI guidance: Get an automated portfolio analysis and plan for retirement with AI-powered guidance. * Expert-built stock bundles: Invest in line with your interests with stock bundles such as Travel Titans and Cloud Capital. * Referral program: Invite your friends and family to Origin and earn rewards. We’re pumped to go live on PH, and we’d love to hear your questions and feedback! Thank you again for your support. Matt *See disclaimers here: https://www.useorigin.com/legal

@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.

@mwatson so excited for the world to see what we’ve been working on

@mwatson Origin's evolution from a financial wellness benefit to a full-fledged wealth management platform is impressive. The focus on providing a comprehensive suite of tools for budgeting, investing, and financial planning aligns well with the needs of many users. Here are some questions for further exploration: - Can you elaborate on the types of investments available through Origin's platform (e.g., stocks, bonds, ETFs)? - What are the fees associated with using Origin's platform, including investment management fees, transaction fees, and account maintenance fees? - How does Origin ensure the security and privacy of user financial data? As a developer with experience in financial technology and data analysis, I'm interested in how Origin works. Here are some potential areas for collaboration: - Contributing to the development and refinement of the AI models used for financial analysis and guidance. - Exploring additional features like tax optimization, estate planning, or financial goal setting. Integration with Other Tools: Integrating Origin with other financial tools or platforms for a more seamless user experience. I'd love to learn more about Origin's technical architecture and explore opportunities to contribute to its development. Would you be open to discussing potential collaboration opportunities or providing a trial for evaluation purposes?

@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/...

Congrats team Origin! I was a heavy Mint user for years and sad when they closed it. Glad to finally find an alternative I'm happy to use and excited to see it keep improving so much.

@benln Thank you!! Let us know what you think :)

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.