Create a path forward.
Help younger members prepare for work, build financial capability, establish credit, and develop new sources of income.
Reach younger members before another app becomes their primary financial relationship.LIQUID LITERACY
From money stress to member success.
Offer members and their families personalized AI guidance to navigate career and income changes, create new earning paths, build credit, and connect with your products and team.
YOUR BRAND. YOUR PRODUCTS. LIQUID GUIDANCE.
9:41● ●
‹ CREDIT
612+38 POINTS
Your score is rising.
Two actions can keep it going.
01Keep card use below 30%
02Pay before the due date
9:41● ●
‹ ENTREPRENEURSHIP
YOUR HOURLY FLOOR$42Based on your target income
Price the work.
Account for time, materials, taxes, and profit.
9:41● ●
GOOD MORNING
Your current
financial goal.
CURRENT GOALRaise credit score
612CONTINUE YOUR PLAN
CREDITBuild your credit
BUSINESSPrice what you offer
WHY LIQUID. WHY NOW.
AI, policy changes, and corporate restructuring are reshaping how people work and earn, forcing new financial decisions.
Young adults are entering a less predictable labor market. Experienced workers are facing displacement. More households are combining employment, contract work, gig income, and business ownership. Each change creates decisions involving cash, credit, debt, expenses, and income.
Most AI investment helps institutions increase productivity. Far less supports the people and families absorbing the financial consequences. Liquid gives credit unions a branded way to support people through these decisions while strengthening member, deposit, credit, and business relationships.
PERSONALIZED FOR EACH MEMBER
Help members create or reinvent how they earn.
Liquid turns each member’s goals, skills, experience, and current financial position into personalized guidance they can act on.
Rebuild how they earn.
Guide members through career changes, retraining, displacement, and the development of another source of income.
Keep the member relationship connected to the credit union through change.ADDITIONAL DISTRIBUTION CHANNELS
Expand access through the institutions people already rely on.
Credit unions are Liquid’s first market. The same platform can also support organizations helping people navigate changes in work, training, income, and financial decisions.
Support employees and their families through change.
Employers offer Liquid as a benefit to help employees and their families respond to changes in work and income. Liquid provides private, personalized guidance for financial decisions, career transitions, and creating new and additional ways to earn.
Extend support beyond training and placement.
Workforce programs and cities offer Liquid to people navigating displacement, retraining, entrepreneurship, and changes in income.
Prepare learners for work and financial decisions.
Colleges and trade schools offer Liquid to help students and adult learners prepare financially for training, employment, self employment, and business ownership.
LIQUID CREDIT
Offer a complete credit building program under your credit union’s brand.
Credit building becomes part of a larger plan for work, income, and financial progress. Liquid Credit combines education, coaching, and progress tracking with access to credit monitoring, rent and bill reporting, and accounts and card options provided by the credit union.
9:41● ●
‹ CREDIT
612+38 POINTS
Your score is rising.
Two actions can keep it going.
01Keep card use below 30%
02Pay before the due date
Create one path from establishing credit to expanded access
Help members understand their credit profile
Provide members with access to their score, payment history, balances, utilization, and the factors affecting available credit options.
Help members establish positive payment history
Offer eligible rent and bill reporting or a credit builder account through your credit union or an approved provider.
Offer a secured credit option
Issue a secured card while Liquid provides education and guidance on utilization and on time payments.
Expand the member relationship
As members strengthen their credit, connect them to your unsecured cards, auto loans, mortgages, and business financing.
Keep the credit building relationship inside the credit union.
Liquid provides the branded digital experience, education, coaching, and progress tracking. Your credit union provides and controls the accounts, credit products, underwriting, and approvals.
Credit union brand. Credit union products. Liquid guidance.LIQUID MONEY COACH
What should a member do with a $2,000 tax refund?
THE QUESTION
“I got a $2,000 tax refund. I have a car loan, credit card debt, and no savings. What should I do with it?”
Liquid considers the member’s debt costs, savings, upcoming bills, and income before explaining whether to pay debt, save, or divide the money between both.
Read the Money Coach answer
First, you are already doing something right. You are deciding what the money should do before it disappears.
If you are behind on rent, utilities, insurance, or your car payment, handle that first. If those are current and you have nothing saved, keep $750 to $1,000 for the next expense you cannot predict.
Put the remaining money toward the debt charging you the most, which is usually the credit card. Paying extra on the car can wait unless that payment is creating a larger problem.
This lowers what you owe and gives you enough cash to avoid reaching for the credit card again.
LIQUID MONEY COACHA $2,000 refund may belong in debt, savings, or both. The member’s full financial picture determines the recommendation.Illustrative AI generated presenter.
HOW LIQUID WORKS
Personalized guidance designed around each goal.
A member saving for an emergency fund needs different guidance from someone buying a car, preparing for a home, increasing income, or starting a business. Liquid connects lessons, tools, coaching, and actions to the goal.
Members choose their goals
Members set goals related to savings, credit, major purchases, income, or building a business.
Liquid builds the plan
Liquid uses the member’s income, cash, credit, debt, expenses, and timing to organize which actions come first.
Members complete the actions
Lessons, tools, and coaching help members make the decisions required by each goal.
Liquid shows the progress
Liquid shows members what they have completed, where they stand, and how each action advances the goal.
WHY LIQUID EXISTS
Liquid helps users build the financial capability and entrepreneurial knowledge to create more independence, more opportunity, and more control over their lives.
START A CONVERSATION
See how Liquid works for your members.
Follow a member from goal selection through coaching, credit building, and progress.
OR EMAIL US DIRECTLYhello@liquidliteracy.co ↗