Origin

Your Proactive AI Financial Advisor.

5.0•2 reviews•

419 followers

Your Proactive AI Financial Advisor.

5.0•2 reviews•

419 followers

•

•

Track all of your finances while Origin proactively finds new ways to save you money.

Free Options

Launch tags:Fintech•Investing•Personal Finance

Launch Team

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Promoted

Origin

Maker

📌

Hey Product Hunt! I’m Matt Watson, founder of Origin. Origin is reimagining wealth management for the next generation. We’re an all-in-one platform, where you can track your spending and budget, actively invest, save, file taxes, and get expert financial guidance. We’ve come a long way from when we started 5 years ago… Back then, we launched Origin as a financial wellness benefit. We worked with leading employers to help their employees understand stock options. Equity was a black box. We started building and selling a product that helped employees understand their stock options and learn how to make smart financial decisions around equity. Then, we expanded into spending, net worth, and investment tracking and are now used and loved by employers such as DocuSign, Reddit, and Modern Health. We’re the #1 budgeting app in 2024, ranked by Forbes. Last year, we took our product direct to consumer. We brought online even more features beyond tracking—including tax filing and estate planning—to become the most comprehensive wealth-building platform. Today, we’re launching Origin on ProductHunt to celebrate the significant updates we’ve made to our platform and our new features. Here are a few of my favorites: * 5.8% APY* High-Yield Cash Account: Put your money to work with an industry-leading cash account at 5.8% APY* (promotional rate). * Intelligent AI-powered Insights: Get smart notifications on your spend velocity, credit score changes, and portfolio movement. * Improved AI guidance: Get an automated portfolio analysis and plan for retirement with AI-powered guidance. * Expert-built stock bundles: Invest in line with your interests with stock bundles such as Travel Titans and Cloud Capital. * Referral program: Invite your friends and family to Origin and earn rewards. We’re pumped to go live on PH, and we’d love to hear your questions and feedback! Thank you again for your support. Matt *See disclaimers here: https://www.useorigin.com/legal

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2yr ago

@mwatson my congratulations! I really like that Origin seeks to simplify financial management by merging numerous tools and services into a single platform, allowing customers to more easily attain their financial goals.

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2yr ago

@mwatson so excited for the world to see what we’ve been working on

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2yr ago

@mwatson Origin's evolution from a financial wellness benefit to a full-fledged wealth management platform is impressive. The focus on providing a comprehensive suite of tools for budgeting, investing, and financial planning aligns well with the needs of many users. Here are some questions for further exploration: - Can you elaborate on the types of investments available through Origin's platform (e.g., stocks, bonds, ETFs)? - What are the fees associated with using Origin's platform, including investment management fees, transaction fees, and account maintenance fees? - How does Origin ensure the security and privacy of user financial data? As a developer with experience in financial technology and data analysis, I'm interested in how Origin works. Here are some potential areas for collaboration: - Contributing to the development and refinement of the AI models used for financial analysis and guidance. - Exploring additional features like tax optimization, estate planning, or financial goal setting. Integration with Other Tools: Integrating Origin with other financial tools or platforms for a more seamless user experience. I'd love to learn more about Origin's technical architecture and explore opportunities to contribute to its development. Would you be open to discussing potential collaboration opportunities or providing a trial for evaluation purposes?

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2yr ago

Origin

Maker

@max_savonin1 - yo yo! I'm the Product lead here for Origin Investments (aka brokerage), happy to answer a portion of this one for ya! Fees: Origin does NOT charge any AUM (assets under management or advisory fees) that you’d often find elsewhere, which can be anywhere from 0.25% to 1% at competitors! Any operational costs we may have are priced in and already included with your monthly or annual membership to the Origin platform. There are three ways to use Origin's brokerage platform: 1. The cash account provides access to an FDIC insured cash vehicle for shorter term savings needs. 2. The Automated Index account provides access to a variety of low-cost ETF-driven portfolios based on your risk tolerance and time horizon for longer term savings goals. 3. For investors who want to take a more hands-on approach, Origin offers Stock Bundles, which are typically 8-20 individual stocks tied together by a single theme or market trend. Bear in mind that the Stock Bundles are not actively managed and are non-discretionary in nature. Security: We utilize bank-level 256-bit AES encryption and data is transmitted securely via HTTPS protocols. Our systems are monitored 24/7 and we partner only with industry-leading data hosting and security providers. Our partners also practice similar security measures. Privacy: I think the basic user question here is probably, "Can I delete my account and data? And the answer is yes, just contact us. For our full privacy policy https://www.useorigin.com/legal/...

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2yr ago

Thistle

💎 Pixel perfection

I've been using this product for the past month and have been extremely impressed... I think this is the best product out there for someone who understands their finances. I work in fintech and try nearly every product out there. Most of the products are designed for people with very simple finances - a bank account, an investment account and that's about it. I have very complicated finances and honestly there isn't anything as comprehensive that actually works like Origin. It having (as far as I know) the best APY is just icing on the cake. Highly recommend it!

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2yr ago

Rippling

Maker

@sheel_mohnot Love this!!! Thank you for checking us out and using Origin :)

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2yr ago

Maker

@sheel_mohnot thanks for the product love! Especially appreciate the positive feedback from you as a fintech expert!

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2yr ago

Origin

Maker

@sheel_mohnot I'm also a DIY FinTech fanatic, tried everything and hated most, until I found Origin, loved it so much I took a job here haha. Glad you're enjoying that APY icing! Let me know if you have any feedback on the Cash account (it's my team)!

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2yr ago

Aster Key

@sheel_mohnot That is a very interesting take "most of the products are designed for people with very simple finances". I've been saying similar, - 100 million people already manage their stocks and investments at Robinhood to Schwab to Coinbase - so yes I like the way you put it.

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2yr ago

Origin

Maker

As the product manager for Origin Invest (and our newly launched Cash account + Stock Bundles), I'm so excited and honored to be part of this incredible mission to democratize financial well-being! The wild part is... WE'RE JUST GETTING STARTED!

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2yr ago

Maker

@phounsouk_sivilay LFG!!! 🚀🚀🚀

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2yr ago

@phounsouk_sivilay Congrats on an amazing job!

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2yr ago

Origin

Maker

@phounsouk_sivilay indeed! Excited to see more people saving for their future goals with proper guidance, support, educational content, and best-in-class investment instruments 🚀

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2yr ago

Rippling

Maker

@phounsouk_sivilay YOURE AMAZING! YOU SHOULD BE SO PROUD.

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2yr ago

Congratulations @phounsouk_sivilay !!!

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2yr ago

Hampton

Hey guys, this looks really cool. I'm gonna give this a try. Right now I use Kabata for net worth tracking, Monarch for spending tracking. Can you tell me some of the key differences of Monarch and Kabata and Orgin? I'm gonna try orgin because it looks really cool but would love to hear your pitch specifically on how its diff from those two products, which I assume will be major competitors.

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2yr ago

Origin

Maker

@thesamparr Hey Sam! Think of us as combining both assets and liabilities in one place. We calculate your net worth as a whole, and you can dive deeper into your transactions and categories for more detailed insights. Our goal is to connect the dots at every level, helping you plan across different time frames—whether it’s building an emergency fund in the short term or planning for retirement. Unlike most competitors who focus on just one area, Origin brings everything together, so you don’t have to bounce between different apps anymore.

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2yr ago

Impressed by the potential 5.8% APY on savings! How does Origin ensure competitive rates, and what strategies are in place to maintain them? @mwatson

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2yr ago

Origin

Maker

@marian_vovk - yo yo! I'm the product manager who launched Cash Accounts, so can give you my POV on this one! 1. Our cash account APY is variable and subject to change. As of today (September 5, 2024), our rate was 5.52% and we are offering a promotion to celebrate our launch that boosts your rate up to 5.8% APY for a limited time. Our full terms and conditions can be found at useorigin.com/legal 2. Regarding ensuring competitive base rates - we partner with a custodian (like most FinTech, since we're not a bank) who has something called an FDIC Cash Sweep account through their partner banks. And those partner banks evaluate what would be competitive rates to drive deposits and pass that along. And at the end of the day in the US, it's all based on the Federal Funds Rate set at the US federal reserve, which can/will fluctuate based on the needs of the economy. Sorry if that was too detailed or technical (I am a PM after all haha)

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2yr ago

Cursor

Hunter

Congrats team Origin! I was a heavy Mint user for years and sad when they closed it. Glad to finally find an alternative I'm happy to use and excited to see it keep improving so much.

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2yr ago

Origin

Maker

@benln Thank you!! Let us know what you think :)

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2yr ago

Origin

Maker

Interviewing customers, working with this team, and building a product that I believe will truly make a difference in people's lives has been such a career high! Everyone deserves to feel confident about about their finances and I know Origin can help you get there! Take it for a spin and let us know what you think.

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2yr ago

Rippling

Maker

@lizh_3 I feel the same way!!!!!!

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2yr ago

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5.0

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