Who We Are
MyMomToken was founded by Rachel Torres, a personal finance journalist who spent eight years covering consumer banking and fintech for industry publications. The site exists because financial technology moves fast and most coverage is written for industry insiders, not the people actually using these products.
We cover digital banks, payment apps, investing platforms, credit-building tools, and budgeting software. Every guide starts with the official product documentation and ends with hands-on testing. We check the fine print that marketing materials skip.
What We Cover
Our coverage focuses on five areas of consumer fintech:
- Digital Banking — Neobanks, online-only accounts, high-yield savings, and how they compare to traditional banks
- Payment Apps — Peer-to-peer payment platforms, international transfers, and mobile wallets
- Investing Apps — Beginner platforms, robo-advisors, micro-investing, and portfolio building
- Credit Building — Credit builder apps, secured cards, credit monitoring, and score improvement strategies
- Budgeting Tools — Expense trackers, savings automation, and money management systems
Our Editorial Standards
Every article on MyMomToken follows the same research process. We verify claims against primary sources, which means the company or agency directly, not another blog post. We check the specific numbers, fees, eligibility requirements, and terms that affect real decisions.
We do not fabricate statistics, invent user reviews, or present marketing claims as fact. When a product changes its terms or a program updates its rules, we update our guides. Each article includes a “last reviewed” date so you know when we last checked the details.
Read our full research methodology on our How We Research page.
Independence Statement
MyMomToken is not a bank, financial institution, or government agency. We are not affiliated with any fintech company, bank, or financial service provider mentioned on this site. All product names, logos, and brands are property of their respective owners.
We may earn commissions when readers apply for financial products through links on our site. This never influences our research, rankings, or recommendations. Our full disclosure policy is available on our Disclosure page.