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Pre-Launch · Founding Members Open

Banks earn money
on your idle cash
every day. Now you can too.

And if you need cash fast — your card does it.

Pick your role above to see exactly how it works for you.

Need cash
fast?
Your card does it.

Buy GRABs — $1 platform credits — with any card. Pay by card, receive credits worth the same amount, then list them at a discount you choose. A cash provider sends you cash directly via Venmo or Cash App. Flat 1.5% fee. No interest. No bank account required.

Your $100 can
generate income.
Just like banks do with your money.

Send cash to someone who needs it. Receive more back. GRABMO lets anyone — with any amount — earn a real return in days, not years. No bank account. No lock-up. No minimum balance beyond $100.

// If you are a cash seeker

$4.50

For example: Buy 300 GRABs for $300 by card, list them at a discount you choose — say 8% ($24). A cash provider is matched to your listing. Once your card payment is confirmed — same day for prepaid or debit, typically 1–5 days for credit cards (depends on issuer) — they send $276 cash directly to you via Venmo or Cash App. After GRABMO's 1.5% fee ($4.50) you keep $271.50 — all done.

Flat fee. No interest. No surprises.
Any amount from $50 to $2,000+
vs. a bank cash advance

// If you are a cash provider

You make money
on every transaction

For example: at an 8% discount on a $300 listing, the cash seeker buys 300 GRABs for $300 and lists them at 8% off. Once their card payment is confirmed — same day for prepaid or debit cards, typically 1–5 days for credit cards (depends on issuer) — GRABMO notifies you to send $276 via Venmo or Cash App. You receive 300 GRABs worth $300 face value. You choose to redeem — GRABMO charges 4% ($12) and releases $288 to your balance. Your $276 back plus $12 profit.

4% provider fee · No lock-up · Same day (prepaid/debit) · 1–5 days (credit)
No lending. No chasing repayments. No fixed schedule.

// How it works — cash seekers

Three steps.
Done.

STEP 01

💳

Buy GRABs with your card

Pay by card — prepaid, debit, credit, or charge card. GRABs are $1 platform credits you sell for cash. Buy 300 GRABs for $300. GRABMO charges a flat 1.5% fee ($4.50 on $300). No bank account required.

STEP 02

⚡

List at a discount you choose

Post your 300 GRABs at a discount — typically 7–10%. At 8% that is $24 off, so a cash provider pays $276 to receive $300 face value. The bigger your discount the faster your match. You are always in control.

STEP 03

💸

Receive cash directly from the cash provider

A cash provider is matched to your listing. Once your card payment is confirmed — same day for prepaid or debit, typically 1–5 days for credit cards (depends on issuer) — they send $276 cash directly to you via Venmo or Cash App. You confirm receipt inside GRABMO — or after 2 hours it confirms automatically. GRABs transfer to the cash provider. Done.

⚠️ Using a credit or charge card?
GRABMO’s fee is always the flat 1.5% platform fee — that is all we charge. However, some credit card issuers may separately classify this purchase as a cash advance and apply their own cash advance fee (typically 5%, min $10) and APR (24–30%, no grace period). GRABMO has no control over this. To avoid it entirely — use a prepaid or debit card. Your only cost will be GRABMO’s 1.5% flat fee.

// How it works — cash providers

Send cash.
Make money.

// How you earn — one transaction explained

THE SETUP

🛒

Cash seeker buys 300 GRABs for $300

Cash seeker pays $300 by card and lists 300 GRABs at an 8% discount ($24 off). They are asking: "send me $276 cash and I give you 300 GRABs worth $300."

YOUR ACTION

💸

You send $276 via Venmo or Cash App

Once GRABMO notifies you that the card payment is confirmed, you send $276 manually via Venmo or Cash App to the cash seeker. Prepaid and debit cards confirm same day — credit cards typically take 1–5 days (depends on issuer). You receive 300 GRABs at $300 face value — worth more than you paid.

YOUR RETURN

💰

You redeem your GRABs and make money

You choose to redeem your 300 GRABs. GRABMO charges the 4% fee ($12) and releases $288 to your balance — your $276 back plus your $12 profit. Withdraw to your bank via ACH in 1–2 days, or instantly to your debit card. Net gain: $12 per transaction.

Returns variable — dependent on platform transaction volume and cash seeker discount rates. Not a guaranteed return. Not investment advice.

500 founding member spots

Get in early.
Pay half price.

Founding members lock in 50% off platform fees for their first 12 months and get first access at launch. No payment. No commitment. Just your email.

✓ 50% off fees · 12 months ✓ Beta access first ✓ No payment now

Here is what happens in every transaction — four steps, both sides.

Cash seeker buys GRABs by card and lists them — GRABMO charges a flat 1.5% fee at purchase. The cash seeker then lists their GRABs at a discount they choose. Higher discount means faster match.

A cash provider is matched and both sides wait for card confirmation — the listing locks immediately. Once the card payment is confirmed (same day for prepaid/debit, typically 1–5 days for credit cards), the cash provider is notified to send.

Cash provider sends the agreed amount via Venmo or Cash App — cash seeker confirms receipt, or after 2 hours it confirms automatically. GRABs transfer to the cash provider.

Cash provider redeems GRABs and earns their return — GRABMO deducts the 4% provider fee and releases the balance. Original amount plus earned return. Or the provider redeploys the GRABs on the next listing to earn again.

Cash seeker ends up with

Cash in hand

The cash amount based on their chosen discount, minus GRABMO's 1.5% platform fee. Zero interest. Transaction complete.

Cash provider ends up with

+Return

Original amount sent back plus the seeker's discount rate minus GRABMO's 4% fee. Earned in days, not locked up for a year.

Simple fee summary
Cash seekers pay 1.5% when buying GRABs. Cash providers pay 4% when cashing out. Founding members pay half of both for their first 12 months.

GRABMO charges a fixed 1.5% platform fee — that is $4.50 on $300. That is all GRABMO ever charges. The discount you offer cash providers is a separate choice you make — and you control it completely.

GRABMO fee — fixed

$4.50

Always 1.5% of the amount. Zero interest. Never changes after you confirm.

Your discount — you choose

You decide

The discount is not a fee. It is the incentive you offer a cash provider. Offer more and get matched faster. Offer less and wait a little longer. You are always in control.

Your real cost — by discount you choose

5% discount + 1.5% GRABMO fee — slower match, lower cost$19.50 total

7% discount + 1.5% GRABMO fee — balanced$25.50 total

8% discount + 1.5% GRABMO fee — faster match$28.50 total

10% discount + 1.5% GRABMO fee — fastest match$34.50 total

You receive $300 minus your chosen discount minus GRABMO's $4.50 fee. At a 5% discount you receive $280.50. At 8% you receive $271.50. The tradeoff is speed — higher discount, faster cash.

How GRABMO compares

Payday loan (typical)$45–$90

Credit card cash advance (bank fee + APR)$21.75+

Prepaid Visa / Mastercard ATM — where available$3–$15

Prepaid Visa / Mastercard ATM — not always accepted—

GRABMO fee only — prepaid or debit card$4.50

GRABMO — credit / charge card (see note below)$4.50+

Credit & charge card users
GRABMO's fee is always the flat platform fee shown above. However, your card issuer may separately classify this purchase as a cash advance and apply their own cash advance fee (typically 5%, min $10) and APR (24–30%, accruing from day one, no grace period). GRABMO has no control over this and receives none of those charges. Check your card terms before proceeding. Using a prepaid or debit card avoids this entirely.

GRABMO's fee tapers as the amount increases. Founding members pay 50% of these fees for their first 12 months after launch.

$50

$0.75

1.5%

Mbr: $0.38

$100

$1.50

1.5%

Mbr: $0.75

$200

$3.00

1.5%

Mbr: $1.50

$300

$4.50

1.5%

Mbr: $2.25

$500

$7.50

1.5%

Mbr: $3.75

$750

$11.25

1.5%

Mbr: $5.63

$1,000

$15.00

1.5%

Mbr: $7.50

$1,500

$22.50

1.5%

Mbr: $11.25

$2,000+

$30.00

1.5%

Mbr: $15.00

Flat 1.5% on all amounts. Minimum transaction: $50. All fees are GRABMO's platform fee only — separate from any card issuer charges. GRABMO never charges interest. Cash provider fee: flat 4% at redemption.

Once a cash provider is matched to your listing and your card payment is confirmed, they send you the cash amount based on your chosen discount — directly via Venmo or Cash App. Prepaid and debit cards confirm same day — credit cards typically take 1–5 days (depends on issuer). Remember: you set the discount on your listing. A higher discount means cash providers are more likely to pick your listing first — especially when the marketplace is busy.

Supported cash-out methods

💜

Venmo — Instant to your Venmo balance. Transfer to your bank later at no cost.

🏦

Bank transfer (ACH) — Sent directly to your bank account. Typically 1–2 business days.

No bank account? No problem.
You can receive cash via Venmo or Cash App without a traditional bank account. This is one of the reasons GRABMO exists — so people outside the traditional banking system have a real option.

As a cash provider, you send cash to a cash seeker, receive GRABs worth more than you paid, then cash them out at full value. GRABMO takes a 4% fee when you cash out — the rest is yours to keep.

Example — $300 listing at 8% ($24) discount

$12

Cash seeker buys 300 GRABs for $300, lists at 8% discount. You send $276, receive 300 GRABs worth $300 face value. After GRABMO’s 4% fee ($12) you net $12 — a 4.35% return per transaction in days, not a year. Returns depend on the discount cash seekers offer.

Best high-yield savings — same $276 — full year

~$11–$14

On $276 at current top US savings rates (4–5% APY) you earn roughly $11–$14 over an entire year — and your money is locked the whole time. One GRABMO transaction matches that in days.

What $276 earns elsewhere — full year

Standard bank savings account (typical)$0.03–$1

National average savings rate~$1–$2

High-yield savings account (top US rates, 4–5% APY)~$11–$14

12-month CD — best available rate, money locked up~$13–$15

GRABMO — one transaction (days, no lock-up, redeploy immediately)$12

Returns are not guaranteed
Returns depend on available listings, the discounts cash seekers offer, and how often you choose to deploy. The figures above are based on a single example transaction. Actual results will vary. This is not investment advice.

After the card payment is confirmed and the cash seeker confirms receipt — or after the 2-hour auto-release — GRABs transfer to your account. You then choose to redeem them at full $1 face value or redeploy them on the next listing. There is no forced lock-up period.

A listing is matched to you — either by browsing and accepting manually, or automatically via Auto-Deploy. Every listing shows the exact discount and net return before any cash moves. No surprises.

Once the card payment is confirmed, you send the agreed cash amount to the cash seeker — via Venmo or Cash App. Submit proof inside GRABMO. Once the cash seeker confirms receipt — or 2 hours pass with no response — GRABs transfer to you automatically.

GRABs land in your account — you then choose to redeem at full $1 face value. GRABMO’s 4% fee is deducted when you redeem.

Capital returns to you — once you redeem your GRABs, your original amount plus your earned return is in your balance. Redeploy on the next listing whenever you choose. No forced lock-up.

💳 How do you get your money out?

Once your balance is credited after redeeming your GRABs, you have two options:

ACH

Bank transfer — withdraw directly to your bank account. Arrives in 1–2 business days. No fee.

⚡

Instant Payout — withdraw to your debit card in minutes. Small fee applies (typically 1%).

You can withdraw any time — only the balance currently committed to an active match is temporarily unavailable, typically for 2–5 days.

No lending. No debt. No collections.
You are not lending money to cash seekers. You are buying discounted GRABs and redeeming them at face value. There is no loan agreement, no repayment schedule, and no counterparty debt risk from the cash seeker's side.

Auto-Deploy is the passive income engine for cash providers. Deposit funds once, enable the toggle, and GRABMO automatically matches your balance to cash seeker listings as they appear — no daily login, no manual browsing required.

Deposit your starting balance — any amount from $100 upward. Your balance is held securely in your individual account — not held by GRABMO.

Enable Auto-Deploy — one toggle — GRABMO monitors live cash seeker listings and automatically matches your balance to the best available listings by discount rate and transaction size.

GRABMO notifies you of each match — you receive a push notification: “Match found — 300 GRABs at 8% discount. Waiting for card payment to be confirmed.” You can review or cancel at this point. No cash moves yet.

GRABMO notifies you: “Card confirmed — send the agreed cash amount to [cash seeker’s Venmo/Cash App] now.” You send manually and submit proof inside GRABMO. Cash seeker confirms receipt — or after 2 hours GRABs transfer to your account automatically.

05
You redeem your 300 GRABs — handing them back to GRABMO at full $300 face value. GRABMO deducts the 4% fee ($12) and credits $288 to your balance. That $288 is your $276 back plus your $12 profit. Auto-Deploy queues it for the next match immediately.

What your balance earns — example at 8% cash seeker discount

Wallet balance Simultaneous deployments Transactions/month Monthly return

$500 1× (300 GRABs / $276) 2–4 $24–$48

$1,000 3× (300 GRABs / $276) 8–12 $96–$144

$2,500 9× (300 GRABs / $276) 20–36 $240–$432

Returns variable — dependent on platform transaction volume and cash seeker discount rates. Not a guaranteed return. Not investment advice.

Withdraw any time

Auto-Deploy never locks your funds. You can pause Auto-Deploy and withdraw your balance to your bank account at any time. Only the capital currently deployed in an active match is temporarily committed — typically for 1–3 days.

Wallet balance	Simultaneous deployments	Transactions/month	Monthly return
$500	1× (300 GRABs / $276)	2–4	$24–$48
$1,000	3× (300 GRABs / $276)	8–12	$96–$144
$2,500	9× (300 GRABs / $276)	20–36	$240–$432

Yes. Auto-Deploy and manual browsing are two separate modes — you choose which one suits you.

Auto-Deploy

Hands-off

GRABMO monitors live listings and matches your balance automatically. You get notified when a match is found and the card is confirmed. Best for cash providers who want passive income with minimal daily involvement.

Manual Browse

You choose

Browse all open listings yourself. Every listing shows the discount rate, cash required, and your net return before you commit. Pick the listing that suits you best and accept with one tap. Best for cash providers who want full control over every transaction.

01
Open the live listings feed — all open cash seeker listings are visible, sorted by discount rate from highest to lowest. Higher discount means more return for you.

02
Compare and pick — each listing shows the exact discount, how much cash you need to send, and your net return after GRABMO's 4% fee. No hidden numbers.

03
Accept with one tap — the listing locks immediately to you. No other cash provider can accept it. From here the standard transaction flow applies — wait for card confirmation, send cash, receive GRABs, redeem.

How listings compete for your attention

Cash seekers who need cash urgently can raise their discount to move to the top of the feed. Cash seekers who can wait may offer a lower discount. As a cash provider you always pick the best available return — the market does the negotiating for you. No direct messaging or haggling needed.

Accepted

Visa prepaid debit cards

Mastercard prepaid debit cards

Payroll cards (Visa / Mastercard)

Reloadable prepaid cards (Visa / Mastercard)

Visa / Mastercard gift cards (open-loop) — no PIN required · register billing zip if prompted

Visa credit cards ⚠️ see disclosure

Mastercard credit cards ⚠️ see disclosure

Visa charge cards ⚠️ see disclosure

Mastercard charge cards ⚠️ see disclosure

Not accepted

Store gift cards (Target, Amazon, Walmart…)

Brand / merchant cards (Starbucks, iTunes…)

Cards without Visa or Mastercard network

Cards without PIN capability

Most virtual cards

American Express (not currently supported)

Discover (not currently supported)

Most prepaid, payroll, and gift cards either block ATM withdrawals entirely or impose daily limits that make large withdrawals impractical. GRABMO runs on the purchase network — not the ATM network — so none of those restrictions apply.

Prepaid card at ATMOften blocked

Gift card at ATMAlways blocked

Payroll card daily ATM cap$200–$500

Prepaid ATM fee (per transaction)$2–$3.50

GRABMO — any of the aboveWorks ✓

Gift cards with stuck balances

A Visa or Mastercard gift card with a remaining balance that you can't use elsewhere — GRABMO converts it into cash. Buy GRABs with the card, list them, receive cash. The balance is no longer stuck.
Have small balances on multiple cards? Buy GRABs with each card separately — they accumulate in your GRABMO account automatically. Once you have enough, combine them into a single listing and receive cash. Your stranded balances across multiple cards become one cash payment. Use the "Use full balance" option to empty each card completely with no math required.

No. GRABMO is not a loan and cash seekers do not borrow money. A cash seeker buys GRABs (platform credits) with their card, sells them at a discount on the marketplace, and receives cash from a cash provider. The transaction is complete once cash is received. There is no debt, no repayment schedule, and no interest — ever.

No. The cash in every transaction flows directly between cash seeker and cash provider via Venmo or Cash App — peer to peer, outside the GRABMO platform. GRABMO charges a platform fee for marketplace access only and never holds, transmits, or controls transaction funds.

A GRAB is a $1 platform credit on the GRABMO platform. Cash seekers buy them with their card, then sell them at a small discount to cash providers in exchange for cash. Cash providers buy them at a discount and cash them out at full value to earn the difference. Think of them like $1 credits that both sides trade for mutual benefit — one gets cash fast, the other earns a return. GRABs are not money, stored value, cryptocurrency, or securities. They exist only within GRABMO to connect cash seekers and cash providers.

GRABMO's platform fee is fixed and shown before you confirm. However, some card issuers may independently classify this purchase as a cash advance on their end and apply their own cash advance fee (typically 5%, min $10) and APR (24–30%, no grace period) on top of GRABMO's 1.5% fee. GRABMO has no control over this and receives none of those charges. To avoid this entirely, use a prepaid or debit card — your only cost will then be GRABMO's 1.5% flat fee.

Not as a cash seeker. You can buy GRABs with a prepaid card and receive cash via Venmo or Cash App without a traditional bank account. As a cash provider, you will need a Venmo or Cash App account to send cash to cash seekers. Both work without a formal bank account attached.

Speed depends on the payment method agreed between cash seeker and cash provider. Venmo and Cash App transfers are typically instant to the recipient's balance. Bank transfers (ACH) usually take 1–2 business days. Note that cash only moves after the card payment is confirmed. For prepaid and debit cards this is typically same day. For credit cards it typically takes 1–5 days (depends on issuer). The marketplace matching itself can happen within minutes, but cash arrival depends on the card type used.

If a cash provider is matched but does not send cash within 2 hours of card payment confirmation, the listing reopens automatically and you are re-matched to the next available cash provider. The non-sending cash provider is flagged. GRABs only transfer to a cash provider after the cash seeker confirms receipt — or after the 2-hour auto-release. Dispute resolution processes will be detailed in the full terms of service before launch.

Yes, as long as it is an open-loop Visa or Mastercard (not a store-specific card). No PIN required — buying GRABs is a purchase transaction, not an ATM withdrawal. Gift cards that are blocked at ATMs can still make purchases. Your stuck balance becomes cash.

GRABMO is in pre-launch. No live transactions are currently processed and no funds are accepted from any user at this time. Join the waitlist to be first in line when we launch — founding members lock in 50% off platform fees for their first 12 months.

The cash seeker decides. There is no fixed rate. When you post a listing, you choose the discount you are willing to offer cash providers. Offer a higher discount and your listing becomes more attractive — cash providers pick the best-returning listings first, so a higher discount means a faster match. Offer a lower discount and you may wait longer for a match. It works like any marketplace: price and speed trade off against each other. Cash seekers who need cash urgently can move to the front of the queue simply by raising their discount. Cash seekers who can wait have the option of offering less.

The first 500 people to join the waitlist and convert to active users at launch will pay 50% of GRABMO's standard platform fee for their first 12 months. No payment is required now — just join the waitlist with your email.

Banks earn money on your idle cash every day. Now you can too.

Need cashfast? Your card does it.

Your $100 cangenerate income. Just like banks do with your money.

Three steps.Done.

Send cash.Make money.

Get in early.Pay half price.

Everything you needto know about GRABMO.

Banks earn money
on your idle cash
every day. Now you can too.

Need cash
fast?
Your card does it.

Your $100 can
generate income.
Just like banks do with your money.

Three steps.
Done.

Send cash.
Make money.

Get in early.
Pay half price.

Everything you need
to know about GRABMO.