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Phase Three · The Cushion Vault

Protect what you've built. Unlock what's next.

Your emergency cushion is protected while you unlock greater financial flexibility. The money remains yours. It simply cannot be withdrawn while participating in the Vault program.

Emergency Cushion

$0

Locked · Yours

Available Credit

$0

Up to · Emergency use

Emergency Capacity

$0

Preparedness — not debt.

How the Vault works

Earn. Build. Lock. Unlock. Graduate.

Financial security starts with your first emergency fund. The Cushion Vault helps protect what you've built while unlocking new opportunities.

  1. Step 01

    Earn

    Ten small loans build your trust.

  2. Step 02

    Build

    Grow your cushion to $1,000.

  3. Step 03

    Lock

    Voluntarily protect it inside the Vault.

  4. Step 04

    Unlock

    Access up to $10,000 of emergency capacity.

  5. Step 05

    Graduate

    Move beyond needing to borrow.

Your money stays yours.

The Vault is a voluntary lock — not a transfer of ownership. Your $1,000 remains fully yours at all times, protected while you participate in the program.

This isn't a credit card.

Emergency capacity is a preparedness tool — designed to be there when you need it and untouched when you don't. No revolving balances. No traps.

See your capacity