Peas
PausedFounder·2019—2022
Peas is a mobile application that gives people the power of a joint bank account, without actually having one. It helps couples and groups split bills, gain financial visibility, and build trust around money, while preserving individual autonomy.
HIGHLIGHTS
—14,000 waitlist users onboarded in 9 weeks
—65% week-over-week retention
—$1M raised
—Accepted into Google for Startups and NVIDIA's AI program
—PenelopeAI conversational agent
PRODUCT DECISIONS
—Designed for the modern relationship, not the “joint account.”: Decoupled from the joint-banking metaphor around “collaborative autonomy”: shared visibility but separate accounts, mutual decisions but no forced merges, joint control but granular privacy.
—A product-led retention loop.: Tracked “shared moments per week per pod” and conversation frequency as the north star instead of DAU/MAU.
—Emotional UX as a strategy lever.: Tested every word for emotional friction (“Pay Now” became “Just a Heads Up”). Treated emotional trust as a tier-one KPI.
—Sequencing for trust: Visibility, then Mobility, then Intelligence.: PenelopeAI enters like a good therapist, listening first, value second, solutions later.
—Intentional tradeoffs.: No auto-split on first use, preview-and-confirm flows, removed the paywall after it caused activation friction. Litmus test: “Would this make a user feel more in sync, or more managed?”
MORE WORK
