FOUNDERS STAGE
OPENING SOON
A FOUNDER'S LETTER
The systems meant to protect your family
were never built for you
We started Willow because we lived this. Because everyone does, eventually. And because the answer - a single, trusted place that holds it all together - simply did not exist. Until now.
- Dave Singh, Founder / CEO
01
THE PROBLEM
The financial world is built in pieces. Your life is not.
Life's most important moments deserve better.
Think about everything that is supposed to protect you and your family - your bank, your estate plan, your life insurance, your legacy. Now think about how many different logins, phone calls, filing cabinets, and attorneys it takes to hold all of that together. And think about what happens when someone is no longer there to hold it.
The honest answer is: most families never find out until it is too late. Estates go unplanned. Wishes go undocumented. Children inherit chaos instead of clarity. And the financial institutions meant to help - the banks, the law firms, the insurance carriers - were never designed to speak to each other, let alone to you, in the moments that matter most.
BANKING
Traditional banks profit from fees, confusion, and the financial precarity of everyday families - not from their success.
ESTATE PLANNING
Over 67% of Americans have no estate plan. The process is expensive, intimidating, and completely disconnected from their financial life.
LEGACY
Stories, values, and wishes fade with time. There is no trusted place designed to hold them - and no system that ensures they actually reach the people they were meant for.
THE TRANSITION
When a family member passes or becomes incapacitated, survivors face a maze of institutions, paperwork, and decisions - alone, and usually at the worst possible moment.
OUR ANSWER
Willow is not another banking app. It is the platform your family has always needed.
We built Willow around a single, simple belief: that the most important financial moments in a family's life - opening an account, building credit, writing a legacy, planning an estate, navigating a loss - should not require four different institutions and an attorney on speed dial. They should live in one place. Connected, intelligent, and always there.
That is the integration thesis at the heart of everything we build. Not features stacked on features, but a living ecosystem that grows with you - from your first Willow account to the moment your family needs it most.
We are starting where trust is built: with banking you can actually rely on, and a legacy platform that ensures your story - your values, your wishes, your voice - reaches the people who matter, exactly when they need it.
FOR INVESTORS
The window to be part of the foundation is open. It will not be open long.
Chime proved that a generation of Americans would leave their traditional bank - given a better option. Willow is proving that the same generation is ready for something more: a platform that does not just hold their money, but protects everything that money represents.
The TAM (Total Addressable Market) is not a banking market. It is the entirety of what families need to live, plan, and leave a legacy - estate planning, life insurance navigation, financial advisory, incapacity planning, tax services, and credit building - unified for the first time, for the 75% of Americans who have never had access to a system designed for them.
75%
of Americans earning under $100K - underserved by every system Willow replaces
67%
of Americans with no estate plan - our first beachhead beyond banking
42
approved features across 10 service categories - one AI-connected backbone
Integration is the moat. No single feature is the story - the story is that all of it lives together. We are not building another app. We are building the trusted platform that follows a family from their first account to their final wishes - and then ensures those wishes are honored.
The founding investors who join us now will not just hold equity. They will hold a permanent place in the origin of something that will outlast any single product cycle. We built Willow to last generations. We are looking for partners who think the same way.
And the people who matter most.
02
THE VISION
One platform for your entire
financial life
BANKING
Full-service checking, savings, and family account management with seamless transitions when life changes.
FINANCIAL ADVISORY
AI-powered, human-guided planning that sees your complete financial picture - not just a slice of it.
ESTATE PLANNING
Living estate plans that update as your life evolves. Never set it and forget it again.
LEGACY PRESERVATION
Capture your stories, memories, and wishes. Deliver meaningful messages to the people you love.
POST-DEATH CONCIERGE
When the time comes, your family receives guided support, automated checklists, and proactive outreach.
COMPLETE PROTECTION
Insurance navigation, trustee services, tax preparation, credit building, and incapacity planning.
There is no single platform that connects your money, your plans, and your people.
Until Now.
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