Fintech, Social Justice, Blockchain


Mutuall was inspired by a news story, a past business venture, hackers, and Bitcoin. An older woman from an NBC News story who was a participant in a universal basic income project in Stockton, CA who mentioned this supplemental income allowing her to feel like she could "breathe" and finally be able to host basic family gatherings like dinners without having to ask her children and grandchildren to financially contribute. This woman reminded me a lot of my grandmother, who worked hard at a dry cleaner for about 30 years of her life but due to socioeconomic forces she cannot control, she sometimes struggles with financial needs left out by the government programs she is enrolled in. In high school, I ran a charitable art organization where other high schoolers would sell art and portions of the proceeds would go to various charities. During this time, we were tied to a non-profit so every dollar the Patrons spent could be deducted from their taxes since this money was going to charity. This provided them with great incentive to donate more than they usually would. This idea is also inspired by social media mutual aid campaigns where those in need post their Paypal, Venmo, or CashApp usernames, where hackers have been able to infiltrate and drain their actual bank accounts due to having just that small piece of their account information. After viewing a video explaining Bitcoin's process from person-to-person, I finally understood how blockchain and cryptocurrency worked, leading me to split their original process into giving value to multiple people, later creating Mutuall.

What it does

Mutuall utilizes the convenience and lower transaction fees of cryptocurrency and puts what would be a hefty bank transaction fee into a tax-deductible charitable donation which goes into a mutual aid collection during normal exchange for people who are left out by government programs and struggling financially who would typically rely on mutual aid campaigns to make ends meet. During the time of exchange and purchase, holders of the actual coin can choose a donation percentage equal to or greater than 1%.

How we built it

Mutuall was built using CSS, HTML, SCSS, Python, and Javascript.

Challenges we ran into

We ran into issues creating the "mutual aid pot" collection of %'s due to this being the most innovative part of our process.

Accomplishments that we're proud of

This offers a modern and sovereign solution to an issue the government is taking too long on and failing to solve. Utilizing a modern federal poverty line equation (while the one the government uses is from the 1960s and fails to take into account a person's main expense is no longer food but now rent) based off of a 2019 Columbia University study, we are able to factor over 3 million more people into eligibility we are able to help more people in need using something investors rave about, cryptocurrency. Also creating this idea and making it work in the time allotted was a major feat as well.

What we learned

We learned a lot about cryptocurrency, tax laws, blockchain, and the sociopolitical issue of poverty and its determinants.

What's next for Mutuall: Crypto With a Purpose

Hopefully we can push to market and help out real people in need!


The cryptocurrency interface is fully operational, we had to exclude a walkthrough to fully meet the 2-minute video guideline. Discords: dmya#5048, VinGitonga#3445

Share this project: