Over the past few months, our team has successfully moved from planning to production. As you’ve noticed, we also made a big move from EppoPay to Circa.

From building a fully functional product to laying a scalable internal foundation to implementing a modern consumer brand, we’ve been working hard. With a lean mindset supercharged with scrappy startup creativity, our potential for impact and success has never been stronger.

Our team is guided by one unified mission: To build stronger communities through payment innovation. We do this by creating solutions that promote financial confidence and keep people in their homes. The link between strong households and strong communities is undeniable, and the security of home and the connection to community has never been more important. Setting aside this year’s many trials, houselessness (no longer called homeless – language matters) is an unnecessary evil in a society as wealthy and evolved as ours. But rather than dwell on what should be, our team is hard at work building impact-driven solutions and the business infrastructure to sustain them.

The concept of Circa was born over a year ago. We did not anticipate a pandemic, but we saw a need for inclusion and equity. We saw a need to give people more control over their financial lives - to be able to pay important bills, when they want, how they want. With almost half of Americans unable to sustain a $400 financial shock, we recognized that residents need better solutions.

In 2020, amidst a financial and health crisis, residents are increasingly in need of dignity and respect, driving property owners to recognize that the traditional rent collection model must change. Before this year, many people in America needed support, but now that need has become a requirement that property managers cannot ignore. With this motivation to shift a centuries-old industry-standard, property managers are more receptive to meeting residents' needs. That's why we built Circa. Our mission - to empower people by giving them the tools to live financially resilient lives - is needed more today than ever before. Now is the time!

It turns out that stable housing is one of the most important predictors of almost everything else: financial, physical and mental health. It predicts likelihood of getting or keeping a job and is the foundation of our communities. At its core, the Circa landlord/renter product transforms the rent-collection model. The financial structure of the product is good for both landlords and renters. The relationship and two-way communication is central to the concept. And payment smoothing allows renters to have more payment flexibility in response to increasing income volatility. Circa does not solve our deeper economic problems. But, the solutions we offer are needed now more than ever.