QUBE MONEY

Operating

ProActive Fintech LLC

Financial · Pleasant Grove, UT · Founded 2015

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Cash envelope banking-giving the control of spending back to the people

Valuation cap ⓘ

$20.6M

As of Mar 2026 · from Reg CF Offering (2025) · a SAFE/note conversion ceiling, not a priced valuation

Total raised

$2,116,132

Across 2 rounds since 2021

Financials

FY2019–FY2024 · from SEC filings · hover any figure for its source

−$408K

2019

$17K

−$637K

2020

$329K

$2.6M

2021

$2.0M

$236K

2022

$2.7M

−$2.7M

2023

$1.8M

−$2.6M

2024

RevenueNet income — beside revenue when positive, below the line when a loss

Metric

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

Income statement

Revenue

$16,667

$329,200

$2,024,642

$2,716,043

$1,769,074

Cost of goods sold

$256

$3,699,237

$2,630,203

$1,853,090

$1,873,498

Gross margin

—

98%

-1024%

-30%

32%

-6%

Net income

-$408,152

-$636,582

$2,599,237

$236,203

-$2,692,150

-$2,593,577

Taxes paid

Balance sheet

Cash

$462,145

$700,403

$42,656

$276,232

$344,941

$626,242

Accounts receivable

$6,528

$35,789

$87,487

$126,002

Total assets

$1,616,693

$3,227,193

$2,164,036

$2,686,709

$1,915,518

$1,775,621

Short-term debt

$57,769

$146,281

$345,390

$339,384

$808,366

$1,023,139

Long-term debt

$222,281

$298,954

$1,650,956

$4,024,124

$3,853,504

$4,232,908

Total liabilities

$280,050

$445,235

$1,996,346

$4,363,508

$4,661,870

$5,256,047

Other

Headcount

—

Figures as reported by the issuer in the filing shown on hover. Each year’s pill shows the assurance level of its filed statements — audited, reviewed (CPA review, less than an audit), or unaudited; no pill means the filing didn’t state one. Headcount is the filing’s point-in-time count, not a year-end average. Manually corrected figures are marked “Corrected”.

Valuation over rounds

Post-money = pre-money + amount raised · caps marked

$76.0M

Valuation cap

$20.6M

Valuation cap

QUBE MONEY Convertible Note 1

Reg CF Offering (2025)

A dashed amber step is a SAFE/note valuation cap — a conversion ceiling agreed for that instrument, not a priced valuation of the company. Steps are not comparable across bases.

Fundraising history

Reg CF Offering (2025)ClosedReg CF · Convertible Note · via STARTENGINE PRIMARY LLC

Raised $1.5M / $5MInvestors 194Valuation cap $20.6M

QUBE MONEY Convertible Note 1ClosedReg CF · Convertible Note · via WeFunder

Raised $652.3K / $2.1MInvestors 392Valuation cap $76M

Team

8 people

Shane WalkerFounder

President | Co-Founder | CEO | Director | Principal Accounting Officer

Shane is the Co-founder, President, and CEO of Qube Money. He is the thought leader and speaker on mindful spending. He has 20 years of executive leadership experience in the personal finance space and the founder of several successful companies.

Ryan J Clark

Co-founder and Chairman of the Board

Co-founder and Chairman of the Board of Qube Money. 15 years of experience in the financial planning industry. Recognized for performance among financial professionals nationally.”

Shane Ray Walker

Chief Executive Officer, Principal Accounting Officer, Director

M. Daniel Applegarth

Chief Technology Officer & Director

CFO and business builder for over 15 years. Treasurer of the Board for Qube Money. Proficient at navigating the challenges of private-equity ownership with the right strategies, systems, and analytics.

Kaden Walker

BSA Officer & VP of Operations and Compliance

Kaden Walker serves as the Vice President of Operation and Compliance for Qube Money. He has 7 years of experience in bank compliance and fraud. He is a former Senior Analyst of Goldman Sachs and Compliance Risk Analyst of Divvy.

Kirsten Applegarth Taeger

Accountant

Accountant for Qube Money. Accounting professional that has demonstrated years of excellence in book keeping, accounts payable, and payroll. Bachelors of accounting from Brigham Young University.

Sarib Mahmood

CPO

CPO of Qube Money. 15 years of experience in UI and product design. Designs guided by sense, simplicity, purity, and perfection. Master at organizing a complex user experience into actionable steps.

Ryan Joel Clark

Board Chairman

Names and titles as disclosed on StartEngine, SEC Form C. Bios and photos come from the platform campaign page and may be out of date.

Reg CF annual-report compliance

Delinquent

Filed 1 of 5 annual reports (FY2021–FY2025)

Missing: 2021, 2023, 2024, 2025

392 investors

holder-count proxy

Reg CF issuers must file a Form C-AR each year until a Rule 202(b) termination trigger is met.

SEC filings

Form C-UMar 30, 20260001888699-26-000001
EDGAR
Form C/ANov 24, 20250001888699-25-000010
EDGAR
Form C/ASep 24, 20250001888699-25-000007
EDGAR
Form CJun 26, 20250001665160-25-001249
EDGAR
Form C-ARMay 1, 20230001888699-23-000001
EDGAR
Form C/AJan 26, 20220001670254-22-000081
EDGAR
Form COct 19, 20210001670254-21-001201
EDGAR

Source: ManualCIK 0001888699DE

About this data. Figures are compiled from public sources — SEC EDGAR filings (Form C, C-AR, 1-A, 1-K) and funding-platform pages — and may be delayed, incomplete, or restated by the issuer. Financial statements are as reported by the issuer; each year is labeled with its assurance level (audited / reviewed / unaudited). A valuation cap is the conversion ceiling of a SAFE or convertible note, not an agreed company valuation; post-money figures are computed as pre-money plus amount raised and are not a traded price. Crowdonomics is not a broker-dealer, funding portal, or investment adviser; nothing here is investment advice or an offer to sell securities. Verify all figures against the linked EDGAR filings.