The modern pre‑tax benefits platform.
Modern software people actually use — live in weeks, not months.
One platform.
Every pre‑tax account.
Phase 3 Benefits is the platform. Each card carries its own product name — FSA, HSA, Commuter, LSA — but the rails, the admin portal, the member app, and the integration layer are shared.
FSA
Pre-tax FSA card with real-time substantiation, admin portal, and AI-powered member app.
HSA
HSA card with embedded investing from dollar one.
Commuter
Transit and parking benefits on the same card and admin rails.
LSA
Lifestyle spending accounts with employer-defined eligibility categories.
Most benefits cards weren't built for modern teams.
Legacy HSA and FSA providers were built for paperwork, not people: months to implement, apps stuck in 2010, and investing locked behind a $1,000 minimum.
| Legacy benefits providers | Phase 3 Benefits | |
|---|---|---|
| Implementation | Months of setup | Live in weeks |
| Investing threshold | $1,000+ | $0 — from dollar one |
| Member experience | Apps that predate iOS 7 | AI-powered mobile app |
| Admin visibility | Quarterly CSV exports | Real-time dashboard |
| Carrier lock-in | Employees lose accounts when they switch jobs | Portable — the account follows the member |
A category overdue for a rebuild.
38 million Americans have an HSA. Most of them hate the experience. Implementation takes a quarter, the apps feel stuck in 2010, and you can't invest until you've saved a thousand dollars. Meanwhile, payroll, treasury, and corporate cards have all been rebuilt for modern teams. Benefits is next.
Member expectation gap
Members expect benefits to behave like the rest of their financial life — mobile, instant, and clear.
Modern HRIS expectations
HRIS and payroll buyers now expect API-first partners and modern UX from every category they extend into.
Aligned incentives
Legacy providers earn most of their money on interest from members' idle cash, so they profit when balances sit still. We earn on great software and getting members invested — so our incentives point the same way as yours.
One platform. Every surface.
Every benefit account.
Card
Physical and virtual, in Apple Pay and Google Pay, accepted anywhere eligible expenses are sold.
Admin portal
A benefits dashboard your HR team will actually log into. Real-time visibility, fewer escalations.
Member app
A mobile-first experience with AI support and live claim status for every member.
Developer API
REST endpoints, single sign-on, and webhook events that connect cleanly to your stack.
A real debit card. Not a workaround.
Members tap, swipe, or add their card to Apple Pay and Google Pay. Substantiation runs in the background. Eligibility errors get caught at swipe — not at year-end.
- Physical and virtual cards issued in days
- Apple Pay and Google Pay from day one
- IIAS merchant filtering at the network layer
An admin portal worth logging into.
Real-time enrollment, contribution, and reimbursement data. Self-serve census uploads, error correction, and audit-ready exports. Built so your HR team spends time on people, not spreadsheets.
- Real-time funding and contribution visibility
- One-click census imports with inline error correction
- Audit-ready exports for ERISA, IRS, and ACA reporting
The HSA and FSA app your employees will actually use.
A mobile-first member experience with instant claim status, eligibility scanning, AI-powered support that answers in seconds, and a clean investing surface that lets members start from dollar one.
- Instant claim status and transaction history
- Two-tap substantiation with auto-attach
- Eligibility scan in the aisle
- Investing from $0 with a curated default
Designed to connect to the systems you already run.
A clean, well-documented REST API for the modern HRIS and payroll stack. Single sign-on, real-time eligibility, and webhook events.
Choose your path.
TPAs
Keep the client. Brand the experience. Retire the legacy admin stack.
For TPAs →Employers
A faster benefits rollout your employees will actually use.
For employers →HRIS & Payroll
API-first benefits infrastructure with revenue share.
For HRIS & payroll →PEOs
Every benefit account, every worksite employee, one platform.
For PEOs →Brokers
Win the renewal with a modern HSA story.
For brokers →Members
A simple card and an app that respects your time.
For members →Bank‑grade money. Healthcare‑grade data.
Data
Encrypted in transit (TLS 1.2+) and at rest (AES-256).
Money
Cards issued by Coastal Community Bank, Member FDIC.
Identity
KYC and CIP at member onboarding. Adaptive risk monitoring on every transaction.
See it in 30 minutes.
A real demo of the admin portal, the member app, and the integration story — built around your stack.