Built for this generation. Built for you.

Say hello to the card that gives you freedom

Become financially independent while earning spending power

By signing up, you agree to Modak’s Terms and Conditions and Privacy Policy *

Why you should join our waitlist

Exclusive news and benefits

With no commitment to getting the card

Earn before you get the card

Start planning your present (and your future!)

Help the environment

Refer and help us plant trees.

Learn good financial habits

We want to empower you. Good habits, good results.

Earn money before you get the card

Refer and earn more money besides your $5 welcome bonus

Get $5 for 1 referral
Get $10 for 2 referrals
Get $15 for 3 referrals

Your first 3 referrals will get $5 each!

Current number of referrals:

For every 2 referrals we will plant 1 tree

Let’s make the difference together and plant 100,000 trees

We are committed to the environment as much as to your financial future

To achieve this, we will plant the trees through #teamtrees and The Arbor Day Foundation

Apart from helping the world, you will get a special badge on our app and a certificate of contribution.

We are fully


We are funded by leading Venture Capital firms such as GGV Capital, Monashees and others. They collectively manage more than $10 Billion in assets and invested early in companies like Airbnb, Slack, Stockx, Peloton, and 300+ unicorns! We are lead by our cofounder and CEO Madhu Yalamarthi who graduated in the top 10% of his class at Stanford Business School. He was a leading technology investor in Silicon Valley before starting Modak to enable teens to reach their fullest potential.



Terms and Conditions:
1. Upon sign-up, a $5 bonus will be credited to your future Modak card.
2. For each referral that successfully signs up to our waitlist, an additional $5 will be credited to your account, up to a maximum of three referrals.
3. The sign-up and referral money will be credited to your Modak card and will be available in your card balance once it is activated.
4. For every two referrals, Modak will plant a tree on your behalf (e.g. 2 referrals= 1 tree, 4 referrals= 2 trees, and so on).
5. The referral bonuses and the planting of trees will not apply to fraudulent referrals with fake emails.
6. Terms and conditions apply.
Modak reserves the right to make unilateral modifications to these terms and will provide notice of these changes by posting an updated version to our legal page

For every 2 referrals we will plant 1 tree