On a mission to democratize personal finance, one budget at a time, Mooch's goal is to help people build their financial confidence by helping them build better money habits. Users, who Mooch refers to as “partners,” can link their bank accounts in less than five minutes. From there, they can create envelopes that will budget automatically for them. The app automates the movement of money to and from the app using stablecoins, a form of cryptocurrency that is linked to the US dollar. Mooch hopes to replace dated methods of budgeting, such as stuffing physical envelopes with cash to manage spending. With an early access list of over 16,000 partners, Mooch is well on its way to establishing itself in the fintech space.