How much can I invest?

With Regulation A+, a non-accredited investor can only invest a maximum of 10% of their annual income or 10% of their net worth per year, whichever is greater. There are no restrictions for accredited investors. With Regulation Crowdfunding, non-accredited investors with an annual income or net worth less than $124,000 are limited to invest a maximum of 5% of the greater of those two amounts. For those with an annual income and net worth greater than $124,000, they are limited to investing 10% of the greater of the two amounts.

When I invest, what am I purchasing?

You are purchasing the securities described in the offering documents, such as a convertible note or SAFE. These securities represent an investment amount and may convert into equity in the future according to their terms.

How to open a Self-Directed IRA on StartEngine?

StartEngine makes it easy to invest using your retirement funds. You can open a self-directed IRA account through StartEngine. To get started, simply visit our IRA page for more information and step-by-step instructions. Already have a self-directed IRA with another provider? You can still invest on StartEngine, but please note that the process will be manual and may take longer to complete.

When will I receive confirmation of my investment?

At the close of an offering, all investors whose funds have cleared by this time will be included in the disbursement. At this time, each investor will receive an email from StartEngine with their Countersigned Subscription Agreement, which will serve as their proof of purchase moving forward. Please keep in mind that a company can conduct a series of closes or withdrawals of funds throughout the duration of the campaign. If you are included in that withdrawal period, you will be emailed your countersigned subscription agreement and proof of purchase immediately following that withdrawal.

What will the return on my investment be?

StartEngine assists companies in raising capital, and once the offering is closed, we are no longer involved with whether the company chooses to list securities on a secondary market or what occurs thereafter. Therefore, StartEngine has no control or insight into your investment after the close of the live offering. In addition, we are not permitted to provide financial advice. You may want to contact a financial professional to discuss possible investment outcomes.

Can I cancel my investment?

For Regulation Crowdfunding, investors are able to cancel their investment at any point throughout the campaign up until 48 hours before the closing of the offering. Note: If the company does a rolling close, they will post an update to their current investors, giving them the opportunity to cancel during this timeframe. If you do not cancel within this 5-day timeframe, your funds will be invested in the company, and you will no longer be able to cancel the investment. If your funds show as Invested on your account dashboard, your investment can no longer be canceled. For Regulation A+, StartEngine allows for a four-hour cancellation period. Once the four-hour window has passed, it is up to each company to set their own cancellation policy. You may find the company’s cancellation policy in the company’s offering circular. Once your investment is canceled, there is a 10-day clearing period from the date your investment was submitted. After your funds have cleared the bank, you will receive your refund within 10 business days. Refunds that are made through ACH payments can take up to 10 business days to clear. Unfortunately, we are at the mercy of the bank, but we will do everything we can to get you your refund as soon as possible. However, every investment needs to go through the clearing process in order to be sent back to the account associated with the investment.

What is the difference between Regulation Crowdfunding and Regulation A+?

Both Title III Regulation Crowdfunding and Title IV Regulation A+ help entrepreneurs crowdfund capital investments from unaccredited and accredited investors. The differences between these regulations are related to the investor limitations, the differing amounts of money companies are permitted to raise, and differing disclosure and filing requirements. To learn more about Regulation Crowdfunding, learn about Regulation Crowdfunding, and for Regulation A+, learn about Regulation A+.

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Invest in Qube Money by ProActive Fintech Inc. (2025 Round) | StartEngine

Qube Money by ProActive Fintech Inc.

How much can I invest?: With Regulation A+, a non-accredited investor can only invest a maximum of 10% of their annual income or 10% of their net worth per year, whichever is greater. There are no restrictions for accredited investors. With Regulation Crowdfunding, non-accredited investors with an annual income or net worth less than $124,000 are limited to invest a maximum of 5% of the greater of those two amounts. For those with an annual income and net worth greater than $124,000, they are limited to investing 10% of the greater of the two amounts.
When I invest, what am I purchasing?: You are purchasing the securities described in the offering documents, such as a convertible note or SAFE. These securities represent an investment amount and may convert into equity in the future according to their terms.
How to open a Self-Directed IRA on StartEngine?: StartEngine makes it easy to invest using your retirement funds. You can open a self-directed IRA account through StartEngine. To get started, simply visit our IRA page for more information and step-by-step instructions. Already have a self-directed IRA with another provider? You can still invest on StartEngine, but please note that the process will be manual and may take longer to complete.
When will I receive confirmation of my investment?: At the close of an offering, all investors whose funds have cleared by this time will be included in the disbursement. At this time, each investor will receive an email from StartEngine with their Countersigned Subscription Agreement, which will serve as their proof of purchase moving forward. Please keep in mind that a company can conduct a series of closes or withdrawals of funds throughout the duration of the campaign. If you are included in that withdrawal period, you will be emailed your countersigned subscription agreement and proof of purchase immediately following that withdrawal.
What will the return on my investment be?: StartEngine assists companies in raising capital, and once the offering is closed, we are no longer involved with whether the company chooses to list securities on a secondary market or what occurs thereafter. Therefore, StartEngine has no control or insight into your investment after the close of the live offering. In addition, we are not permitted to provide financial advice. You may want to contact a financial professional to discuss possible investment outcomes.
Can I cancel my investment?: For Regulation Crowdfunding, investors are able to cancel their investment at any point throughout the campaign up until 48 hours before the closing of the offering. Note: If the company does a rolling close, they will post an update to their current investors, giving them the opportunity to cancel during this timeframe. If you do not cancel within this 5-day timeframe, your funds will be invested in the company, and you will no longer be able to cancel the investment. If your funds show as Invested on your account dashboard, your investment can no longer be canceled. For Regulation A+, StartEngine allows for a four-hour cancellation period.

Offering Closed

INVEST IN QUBE MONEY BY PROACTIVE FINTECH INC. · FINANCIAL SERVICES

Spend Better, Live More

Branded as one of the first Mindful Banking™ apps — Qube Money is a financial health system that helps people align their money with their values and goals. Transition update: Qube Checking is temporarily paused while we onboard a new sponsor bank. Qube+ links the bank accounts and cards you already use; POS approve/decline and virtual cards return when Qube Checking relaunches. Qube’s digital banking system enables in-the-moment guidance to empower mindful spending and help relieve financial stress and anxiety. Qube+ and Qube Checking*: Together, Qube+ and Qube Checking serve a broad market.

Offering Closed

This Reg CF offering is made available through StartEngine Primary, LLC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment.

StartEngine

Qube Money by ProActive Fintech Inc.

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Qube Money by ProActive Fintech Inc.

How much can I invest?: With Regulation A+, a non-accredited investor can only invest a maximum of 10% of their annual income or 10% of their net worth per year, whichever is greater. There are no restrictions for accredited investors. With Regulation Crowdfunding, non-accredited investors with an annual income or net worth less than $124,000 are limited to invest a maximum of 5% of the greater of those two amounts. For those with an annual income and net worth greater than $124,000, they are limited to investing 10% of the greater of the two amounts.
When I invest, what am I purchasing?: You are purchasing the securities described in the offering documents, such as a convertible note or SAFE. These securities represent an investment amount and may convert into equity in the future according to their terms.
How to open a Self-Directed IRA on StartEngine?: StartEngine makes it easy to invest using your retirement funds. You can open a self-directed IRA account through StartEngine. To get started, simply visit our IRA page for more information and step-by-step instructions. Already have a self-directed IRA with another provider? You can still invest on StartEngine, but please note that the process will be manual and may take longer to complete.
When will I receive confirmation of my investment?: At the close of an offering, all investors whose funds have cleared by this time will be included in the disbursement. At this time, each investor will receive an email from StartEngine with their Countersigned Subscription Agreement, which will serve as their proof of purchase moving forward. Please keep in mind that a company can conduct a series of closes or withdrawals of funds throughout the duration of the campaign. If you are included in that withdrawal period, you will be emailed your countersigned subscription agreement and proof of purchase immediately following that withdrawal.
What will the return on my investment be?: StartEngine assists companies in raising capital, and once the offering is closed, we are no longer involved with whether the company chooses to list securities on a secondary market or what occurs thereafter. Therefore, StartEngine has no control or insight into your investment after the close of the live offering. In addition, we are not permitted to provide financial advice. You may want to contact a financial professional to discuss possible investment outcomes.
Can I cancel my investment?: For Regulation Crowdfunding, investors are able to cancel their investment at any point throughout the campaign up until 48 hours before the closing of the offering. Note: If the company does a rolling close, they will post an update to their current investors, giving them the opportunity to cancel during this timeframe. If you do not cancel within this 5-day timeframe, your funds will be invested in the company, and you will no longer be able to cancel the investment. If your funds show as Invested on your account dashboard, your investment can no longer be canceled. For Regulation A+, StartEngine allows for a four-hour cancellation period.

Offering Closed

INVEST IN QUBE MONEY BY PROACTIVE FINTECH INC. · FINANCIAL SERVICES

Spend Better, Live More

Offering Closed

REASONS TO INVEST

ABOUT

HEADQUARTERS

TERMS

Qube Money by ProActive Fintech Inc.

Overview

INTEREST RATE

8.0%

MATURITY DATE

Jun 13, 2027

DEADLINE

Mar. 26, 2026 at 6:59 AM UTC

VALUATION CAP

$39.9M

FUNDING GOAL

$20K - $5M

Breakdown

MIN INVESTMENT

$350

DISCOUNT

20.0%

CONVERSION TRIGGER

$5,000,000

OFFERING TYPE

Convertible Notes

TYPE OF EQUITY

Class C Common Stock

Most Recent Fiscal Year-End

Prior Fiscal Year-End

Total Assets

$1,775,621

$1,915,518

Cash & Cash Equivalents

$626,242

$344,941

Accounts Receivable

$126,002

$87,487

Short-Term Debt

$1,023,139

$808,366

Long-Term Debt

$4,232,908

$3,853,504

Revenue & Sales

$1,769,074

$2,716,043

Costs of Goods Sold

$1,873,498

$1,853,090

Taxes Paid

Net Income

-$2,593,577

-$2,692,150

Risks

A crowdfunding investment involves risk. You should not invest any funds in this offering unless you can afford to lose your entire investment. In making an investment decision, investors must rely on their own examination of the issuer and the terms of the offering, including the merits and risks involved. These securities have not been recommended or approved by any federal or state securities commission or regulatory authority. Furthermore, these authorities have not passed upon the accuracy or adequacy of this document. The U.S. Securities and Exchange Commission does not pass upon the merits of any securities offered or the terms of the offering, nor does it pass upon the accuracy or completeness of any offering document or literature. These securities are offered under an exemption from registration; however, the U.S. Securities and Exchange Commission has not made an independent determination that these securities are exempt from registration.

A convertible note offers you the right to receive Class C Common Stock in Qube Money by ProActive Fintech Inc.. The amount of Class C Common Stock you will receive in the future will be determined at the next equity round in which the Company raises at least $5,000,000.00 in a qualified equity financing. The highest conversion price per security is set based on a $39,900,000.00 Valuation Cap or if less, then you will receive a 20.00% discount on the price the new investors are paying. You also receive 8.00% interest per year added to your investment. When the maturity date is reached, if the note has not converted then you are entitled to receive Class C Common Stock equal to your investment and interest back at a price per security determined by dividing the Valuation Cap by the aggregate number of outstanding equity securities of the Company as of immediately prior (on a fully diluted basis).

*Bonus discount subject to adjustment of bonus discounts for StartEngine noteholders. See discount bonus below.

Investment Incentives & Bonuses*

Loyalty Bonus

As you are signed up to receive emails for Qube Money as of June 1, 2025, in ProActive Fintech Inc., you are eligible for an addition to the base discount rate on the convertible note.

Addition to the base discount rate on the convertible note: 20%

Addition to valuation cap discount rate on the convertible note: 50%

Time-Based Perks

Early Bird 1: Invest $1,000+ within the first 2 weeks | Receive a Minimalist Qube Wallet.

Early Bird 2: Invest $5,000+ within the first 2 weeks | Receive a Minimalist Qube Wallet, a Family Lifetime Membership, plus a total 5% addition to the base discount rate on the convertible note*.

Early Bird 3: Invest $10,000+ within the first 2 weeks | Receive all prior perks + [exclusive dinner invite for 2 people to attend the exclusive Mindful Banking Market Launch event in Park City, UT]* plus a total 8% addition to the base discount rate on the convertible note from the Time-Based Perks.

Early Bird 4: Invest $25,000+ within the first 2 weeks | Receive all prior perks + [exclusive dinner invite for 2 people to attend the Mindful Banking Market Launch event in Park City, UT with $500 resort credit]* plus a total 10% addition to the base discount rate on the convertible note from the Time-Based Perks.

Early Bird 5: Invest $50,000+ within the first 2 weeks | receive all prior perks + [exclusive dinner invite for 2 people to attend the Mindful Banking Market Launch event in Park City, UT with $500 resort credit and $1,000 flight credit] plus a total 15% addition to the base discount rate on the convertible note from the Time-Based Perks.

Early Bird 6: Invest $100,000+ within the first 2 weeks | receive all prior perks + [all inclusive 3-Day stay with dinner invite, $500 resort credit, $1,000 flight credit, plus mountain access in Park City, UT] plus a total 20% addition to the base discount rate on the convertible note from the Time-Based Perks.

Mid-Campaign Perks (Flash Perks)

Flash Perk 1: Invest $5,000+ between day 35 - 40 and receive a 3% addition to the base discount rate on the convertible note.

Flash Perk 2: Invest $5,000+ between day 60 - 65 and receive a 3% addition to the base discount rate on the convertible note.

Amount-Based Perks

Tier 1 Perk: Invest $1,000+ and receive a Minimalist Qube Wallet.

Tier 2 Perk: Invest $5,000+ and receive all prior perks + free Family Lifetime Membership + a 2% addition to the base discount rate on the convertible note.

Tier 3 Perk: Invest $10,000+ and receive all prior perks + exclusive dinner invite for 2 people to attend the Mindful Banking Market Launch event in Park City, UT* + a 5% total addition to the base discount rate on the convertible note from the Amount-Based Perks.

Tier 4 Perk: Invest $25,000+ and receive all prior perks + exclusive dinner invite for 2 people to attend the Mindful Banking Market Launch event in Park City, UT with $500 resort credit* + a 7% total addition to the base discount rate on the convertible note from the Amount-Based Perks.

Tier 5 Perk: Invest $50,000+ and receive all prior perks + exclusive dinner invite for 2 people to attend the Mindful Banking Market Launch event in Park City, UT with $500 resort credit and $1,000 flight credit + a 10% addition to the base discount rate on the convertible note from the Amount-Based Perks.

Tier 6 Perk: Invest $100,000+ and receive all prior perks + all inclusive 3-Day stay with dinner invite, $500 resort credit, $1,000 flight credit, plus mountain access in Park City, UT + a 15% total addition to the base discount rate on the convertible note from the Amount-Based Perks.

*Flights not included

*In order to receive perks from an investment, one must submit a single investment in the same offering that meets the minimum perk requirement. Bonus discounts from perks will not be granted if an investor submits multiple investments that, when combined, meet the perk requirement. All perks occur when the offering is completed. The free subscription months begin after the close of the offering and must be used consecutively.

Crowdfunding investments made through a self-directed IRA cannot receive perks due to tax laws. The Internal Revenue Service (IRS) prohibits self-dealing transactions in which the investor receives an immediate, personal financial gain on investments owned by their retirement account. As a result, an investor must refuse those perks because they would be receiving a benefit from their IRA account.

The 10% StartEngine Venture Club Bonus

ProActive Fintech Inc. will offer a 10% additional discount bonus for all investments that are committed by investors who are eligible for the StartEngine Crowdfunding Inc. Venture Club bonus.

Eligible StartEngine noteholders will receive a 10% bonus discount on the note in this Offering. For example, this would mean your discount percentage would be 30% instead of 20%.

This 10% Bonus is only valid during the investor's eligibility period. Investors eligible for this bonus will also have priority if they are on a waitlist to invest and the company surpasses its maximum funding goal. They will have the first opportunity to invest should room in the offering become available if prior investments are canceled or fail.

Investors will receive the highest single bonus they are eligible for among the bonuses based on the amount invested and the elapsed time of the offering (if any). Eligible investors will also receive the Venture Club Bonus and Loyalty Bonus in addition to the aforementioned bonus.

THE OFFERING MATERIALS MAY CONTAIN FORWARD-LOOKING STATEMENTS AND INFORMATION RELATING TO, AMONG OTHER THINGS, THE COMPANY, ITS BUSINESS PLAN AND STRATEGY, AND ITS INDUSTRY. THESE FORWARD-LOOKING STATEMENTS ARE BASED ON THE BELIEFS OF, ASSUMPTIONS MADE BY, AND INFORMATION CURRENTLY AVAILABLE TO THE COMPANY’S MANAGEMENT. WHEN USED IN THE OFFERING MATERIALS, THE WORDS “ESTIMATE,” “PROJECT,” “BELIEVE,” “ANTICIPATE,” “INTEND,” “EXPECT” AND SIMILAR EXPRESSIONS ARE INTENDED TO IDENTIFY FORWARD-LOOKING STATEMENTS, WHICH CONSTITUTE FORWARD LOOKING STATEMENTS. THESE STATEMENTS REFLECT MANAGEMENT’S CURRENT VIEWS WITH RESPECT TO FUTURE EVENTS AND ARE SUBJECT TO RISKS AND UNCERTAINTIES THAT COULD CAUSE THE COMPANY’S ACTUAL RESULTS TO DIFFER MATERIALLY FROM THOSE CONTAINED IN THE FORWARD-LOOKING STATEMENTS. INVESTORS ARE CAUTIONED NOT TO PLACE UNDUE RELIANCE ON THESE FORWARD-LOOKING STATEMENTS, WHICH SPEAK ONLY AS OF THE DATE ON WHICH THEY ARE MADE. THE COMPANY DOES NOT UNDERTAKE ANY OBLIGATION TO REVISE OR UPDATE THESE FORWARD-LOOKING STATEMENTS TO REFLECT EVENTS OR CIRCUMSTANCES AFTER SUCH DATE OR TO REFLECT THE OCCURRENCE OF UNANTICIPATED EVENTS.

Irregular Use of Proceeds

The Company might incur Irregular Use of Proceeds that may include but are not limited to the following over $10,000: Vendor payments. Inter company debt or back payments.

HOW INVESTING WORKS

Cancel anytime before 48 hours before a rolling close or the offering end date.

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