Company Information

Get to know Joy

Joy, known as "The Happy Money App," was a financial technology company that developed a mobile application aimed at reducing financial stress. The app used principles of psychology to help users understand their spending habits by having them rate purchases with a "happy" or "sad" face. Based on this feedback and the user's financial data, Joy provided personalized coaching and automated the process of saving money into a separate, FDIC-insured savings account. The company was founded to make managing personal finances a more positive and less stressful experience. In February 2021, Joy was acquired by the fintech company Digit, which was later acquired by Oportun in late 2021. The Joy app has since been discontinued.

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Technology Software DevelopmentPRIMARY
Financial Other Service

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Joy

Malaysia

Founded in

2019 (7 Years)

Founded

Last online: No recent activity

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BridgerPay

(180 reviews)

Cyprus

2017

(9 years)

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License

A Grade License

Issued by globally renowned regulators, these licenses ensure the highest trader protection through strict compliance, fund segregation, insurance, and regular audits. Dispute resolution and adherence to AML/CTF standards further enhance security.

B Grade License

Granted by respected regional regulators, these licenses offer robust safety measures such as fund segregation, financial reporting, and compensation schemes. Though slightly less strict than Tier 1, they provide dependable regional protection.

C Grade License

Issued by regulators in emerging markets, these licenses offer basic protections such as minimum capital requirements and AML policies. Oversight is less stringent, so traders should exercise caution and verify safety measures.

D Grade License

From jurisdictions with minimal oversight, these licenses often lack key protections like fund segregation and insurance. While attractive for operational flexibility, they pose higher risks to traders.

TrustFinance is not a licensed financial advisor and is not affiliated with any financial institutions in your region. We encourage you to do your own research before making any investment decisions.