Despite earning enough money to cover their essential bills, over 70% of middle-income households consistently struggle to pay on-time each month, because they don’t have enough cash at the right place and time. We started Modern to protect the financial livelihood of hardworking Americans. Our first product is Modern Bill Protect, the firstpayment protection that makes sure they never miss another household bill. Modern is backed by 25Madison and a team of industry advisors (xCEO @ Climb Credit, xGlobal Head of Compliance @ Goldman, xCOO @ Marcus, Product @ Credit Sesame).Modern is on a mission to build the Financial OS for working-class Americans and unlock the true strength of their positive financial behavior and support networks. Through our innovative Modern Bill Protect platform, that combines a dynamic charge card with intelligent NSF protection, we’re building the foundation of the OS by unlocking fast and affordable access to the cash and support they need to meet their most essential financial obligations each month.

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