Turn money from your digital wallet into cash.
Your wallet moves money digitally. SPARE helps your users access it locally through a virtual ATM network of retailers they already visit, with no ATM required.
THE OPPORTUNITY
Digital money still needs a way to reach the physical world.
THE PROBLEM
Cash access has a gap.
Digital wallets move money instantly, but millions of users still need physical cash. ATMs are fragmented, fee-heavy, and card-dependent. Reload networks solve cash-in, not always cash-out. For gig workers, unbanked users, and cash-preferred households, the last mile is broken.
WHY IT MATTERS NOW
Access expectations are rising.
Cash still made up 14% of U.S. consumer payments in 2024, and more than 90% of consumers expect to keep using it. New federal rules now reach nonbank payment apps with at least 50 million annual transactions. Users expect more flexible ways to reach their funds.
THE PROBLEM
Retail becomes the access layer.
SPARE turns everyday retail POS systems into cash access points. No branches, no ATMs, no new hardware. Your users find a nearby SPARE-powered location in the app and complete the transaction at the register. You extend real-world utility without building anything.
BEST-FIT USE CASES
Where the cash need is clearest.
SPARE connects a financial institution’s app to a nearby participating retailer, so account holders get access at the register.
Gig and worker payout wallets
Help workers turn a digital payout into cash the moment they need liquidity.
Remittance and family money apps
Give recipients a local way to access transferred funds in cash, without a bank account.
Prepaid and stored-value wallets
Support users who need both digital balance management and flexible cash-in and cash-out.
Disbursement and refund platforms
Serve payout recipients who may be unbanked or one-time users needing immediate cash.
BUILT FOR INTEGRATION
API-ready cash disbursement, without building your own network.
SPARE is designed to plug into the infrastructure a wallet or payout platform already runs, not replace it. Your app stays the interface. SPARE powers the physical access point behind it.
API-ready infrastructure
Connect your app to the SPARE network through a straightforward integration, no dedicated cash infrastructure to build in-house.
Settlement transparency
Clear, auditable records for every transaction, so reconciliation and reporting stay straightforward on your side.
Network reach
Tap into a retail network already live and growing, instead of negotiating cash-out partnerships one by one.
A FOCUS FIRST ROLLOUT
Start with one market. Prove the model.
A simple way to launch real-world cash access without committing to a national build on day one.
1
One priority market
Define the geography where cash need is highest.
2
SPARE-powered locations
Activate 25 to 100 retail cash-out points quickly.
3
Co-branded education
In-app messaging and a locator make access easy to find.
4
Track and expand
Measure usage, repeat transactions, and coverage, then scale.
SECURE BY DESIGN
Built for compliant, reliable disbursement.
SPARE is designed to meet the security and operational standards payment platforms require, with controls that support compliant transaction processing at every retail location in the network.
Financial-grade security
Protection built for regulated payment environments.
Transaction controls
Configurable limits and safeguards on every cash-out.
Compliance-first framework
Built around the same compliance expectations as regulated cash access infrastructure.
Full visibility
Clear, auditable records across the network for every disbursement.
COMMON QUESTIONS
Digital wallets & the virtual ATM network, answered.
A digital wallet can connect to SPARE’s virtual ATM network, so users can locate a nearby participating retailer in the app and complete a cash-out transaction at the register, no ATM or bank branch required.
Yes. SPARE gives remittance and family money apps a way for recipients to access transferred funds in cash at a local retailer, without needing a bank account.
No. SPARE is designed to connect to your existing app through an API-ready integration. The retail cash-out network is already live, so there is no need to build or negotiate physical infrastructure independently.
Every transaction produces a clear, auditable record across the network, giving payout platforms transparency into settlement without building their own reconciliation tooling.
Digital money still needs a front door.
SPARE turns local retailers into one. Bring real-world cash access to the users who still need it.