Origins Lab card - 6% back on everything

[portlandmusician]

Hey… have you heard about this card?  I just came across it on Facebook and am wildly curious. It's 5am PST right now and I'm going back to bed for a bit, but woke up, saw this, and wasted time reseaching it. Here is what they're claiming:

Source: https://www.originsapp.ai/

It’s called the Origins Card, and apparently it’s a debit card that gives 6% back on everything. [I thought it was a credit card when I started writing this post, but now realize it's only a debit card... anyhow...). The deal with it, and why it's 6% on everything:

No fees.
No rotating categories.
No points that expire.

You just use it like normal — groceries, coffee, travel — and instead of cashback that slowly loses value, you earn a share that’s supposed to grow over time as the AI economy grows.

They’re saying it’s built differently than normal cards — not funded by bank gimmicks, but by a shared treasury tied to AI growth. The idea is everyday people actually get a piece of what’s coming… instead of getting priced out later.

Sounds interesting... but, it's a debit card. Ugh.

Also sounds almost too good? Is this a fly-by-night company or one trying to get venture capital and thus using gimmicks to get #s in their portfolio?

What do you think — bad idea… or...?

[NoMoreE46]

For anyone, 6%  back is an Amazing rate 

even as a debit card (good) - but one has to "Contribute" to their AI learning model (could be the bad).

I signed up.

https://www.originsapp.ai/train-ai

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@portlandmusician wrote:

Hey… have you heard about this card?  I just came across it on Facebook and am wildly curious. It's 5am PST right now and I'm going back to bed for a bit, but woke up, saw this, and wasted time reseaching it. Here is what they're claiming:

Source: https://www.originsapp.ai/

It’s called the Origins Card, and apparently it’s a debit card that gives 6% back on everything. [I thought it was a credit card when I started writing this post, but now realize it's only a debit card... anyhow...). The deal with it, and why it's 6% on everything:

No fees.
No rotating categories.
No points that expire.

You just use it like normal — groceries, coffee, travel — and instead of cashback that slowly loses value, you earn a share that’s supposed to grow over time as the AI economy grows.

They’re saying it’s built differently than normal cards — not funded by bank gimmicks, but by a shared treasury tied to AI growth. The idea is everyday people actually get a piece of what’s coming… instead of getting priced out later.

Sounds interesting... but, it's a debit card. Ugh.

Also sounds almost too good? Is this a fly-by-night company or one trying to get venture capital and thus using gimmicks to get #s in their portfolio?

What do you think — bad idea… or...?

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[Patient957]

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@portlandmusician wrote:

 not funded by bank gimmicks, but by a shared treasury tied to AI growth.

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Um... which one of these things is the gimmick?

"It’s powered by a shared treasury connected to the growth of the AI economy."

What happens when the music stops?  And you know the music always stops.

[Bockrocker]

I've seen these ads too but there's not much info and it seems pretty sketch.

We all just saw U.S. Bank's Smartly crash and burn in 6 months @ 4%, no chance this thing lives long without some massive catch.

[unsungivy]

I signed up. It's just a wait-list atm, so no harm getting in line to see where this goes.

[Varsity_Lu]

This card seem to be right up @ElvisCaprice and @Vinjints alley!  Letsssgoo!

[ElvisCaprice]

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@Varsity_Lu wrote:

This card seem to be right up @ElvisCaprice and @Vinjints alley!  Letsssgoo!

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I live for these kind of creative accounting experiences.  Bring it on!!!

[NoMoreE46]

We know  6%  AINT sustainable.   The treasury deposit thing is shaky or shady.

I leapt onto the Smartly on Day 1 and still have the T&C of  ver 1.0.   Let's see if anyone can get a  true 6% cash back card.

ps. Here is some chatter from Redditt:

https://www.reddit.com/ 

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@Bockrocker wrote:

I've seen these ads too but there's not much info and it seems pretty sketch.

We all just saw U.S. Bank's Smartly crash and burn in 6 months @ 4%, no chance this thing lives long without some massive catch.

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[Vinjints]

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@Varsity_Lu wrote:

This card seem to be right up @ElvisCaprice and @Vinjints alley!  Letsssgoo!

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I don't know about that. I'm with @unsungivy though, it's only a waitlist atm. My last experience with a cash back debit was miserable with PP.

[CreditCuriosity]

Ya don't see this working long term would love to see their long term business model how this is profitable.  Training models or similar i don't buy that.  With that said i did put name on list as curious where this will go but somehow I see someone holding the empty bag at the end unless this is FDIC insured this is going to end badly I foresee.