Money From Nothin

you can spend money online

so why can’t you get money too?

money is just an idea

you click & beep & shift electrons
to buy food & fun & stuff all the time

if you can trade bucks for electrons
why not get dollars from the cloud?

it’s way easy. just download the app

simple shenanigans

send & receive Instantly

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easy group payments

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Pay In Local Stores

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Make it personal

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why not?

We’re young, we’re fun, and we know what you want. Since 2015, otto and the team have been on a mission to bring effortless, simple money options to the masses in a modern way. No more checks, no more bulky wallets, no more jobs, no more biz, no more bullshit. Just money. Any time, any place.

More Than 625K happy Users around the world

“I’ve always been skeptical of mobile apps, but this app is extremely safe & secure. It’s also very user-friendly, I even got my parents to sign up. We love this app.”

David Tacory

34 years old, NYC

“This app is a must-have if you don’t want to bring your wallet with you everywhere you go! Paying at stores with your phone is so easy! Highly recommended.”

Robb Neilson

48 years old, Los Angeles

“My roommates and I all use this app together and it makes it so much easier to keep track of who pays for what, and make sure everyone gets paid back with no issues.
Oh fuck it, why lie? We don't CARE who pays what cause we have way more than we can spend!”