Neighborhood utility insurance

For contributorsFor neighbors who need help

Keep Your Neighbors' Lights On

Subscribe weekly. When a neighbor can't pay their utility bill, we verify the request and pay the provider directly. No cash is exchanged.

Start Contributing Need help with a bill?

Donors support the pool. Recipients submit a bill for review.

How it works

Three simple steps to keep your community powered.

Subscribe Weekly
Choose how much you want to contribute each week. Starting at $1/week, you can pause or cancel anytime.
AI Verifies Bills
When a neighbor submits a utility bill, our AI verifies it's legitimate. No fake requests slip through.
Direct Payment
We pay the utility company directly. No cash goes to the recipient. 100% of your contribution covers bills.

Built on trust, not faith

We designed this system to earn skeptics' trust. Here's why it works.

Why utility bills?

Utility bills are verifiable. They have account numbers, due dates, and amounts that can be confirmed. Unlike cash requests, bills provide a clear paper trail.

Verifiable account numbers
Clear due dates
Trackable payments

Why not give cash?

Cash can be misused. By paying providers directly, we ensure 100% of contributions go to keeping utilities on. The recipient never handles any money.

Zero cash handling
Direct to provider
No misuse possible

Why AI verification?

Our AI checks for duplicate bills, suspicious patterns, and verifies bill authenticity. Human admins review edge cases and users can appeal.

Duplicate detection
Pattern analysis
Human oversight + appeals

Weekly public reports

We publish weekly reports with totals by utility type and city so you can see where funds go.

Totals by utility
City breakdowns
Weekly updates

View weekly reports

Why utility insurance works

Built to be trusted. Built to be fair. Built to actually help.

Bills paid each weekTotal dollars distributedCities served

100% Direct Payment

We pay utility companies directly. Every dollar goes to bills, not pockets. No middleman, no misuse.

AI Fraud Protection

Our AI verifies every bill submission. Fake bills, duplicate requests, and gaming attempts are caught automatically.

Community Transparency

See your pool's impact: how many bills paid, families helped, and total amount distributed in your area.

Privacy First

Recipients remain anonymous. Contributors never see names—just that their neighbors' lights stayed on.

Urgency-Based Priority

Disconnection notices get priority. When someone's about to lose power, they move to the front of the queue.

Rolling Assistance Limits

Recipients can receive help up to $2,400/year. Limits roll forward monthly to ensure fair access for everyone.

Choose your path

If you want to contribute, start a weekly subscription. If you need help, submit a utility bill for review.

I want to help

Start a weekly subscription and help neighbors in your community stay connected to essential utilities.

Start contributing

I need help

Struggling to pay a utility bill? Submit your bill and get help directly from your community.

Request assistance