Texas launch — 2026 · Now accepting waitlist

Your salary.
Protected.

The first member-owned income protection fund for W-2 workers. Pay 5% monthly. Get up to 100% of your salary back if you're ever laid off.

+
30+ workers already on the waitlist
Vestd
Active
Member account · VST-0042
Sarah M. — Year 3
Monthly contribution$313
Current tierYear 3 — 70%
Months contributing36 of 60
Progress to full coverage60%
If laid off today, Vestd pays you
$26,250
$4,375/mo × 6 months · vs $9,600 state
$480B+
Annual addressable market
160M+
Employed Americans eligible
100%
Salary replacement after 5 years
$0
Private income protection exists today
245,000+ tech jobs cut in 2025
State unemployment: $400/week
Average Dallas rent: $1,800/month
Only 28% of workers have 3 months of savings
Vestd Year 5: 100% salary replacement
245,000+ tech jobs cut in 2025
State unemployment: $400/week
Average Dallas rent: $1,800/month
Only 28% of workers have 3 months of savings
Vestd Year 5: 100% salary replacement
The problem
The math doesn't work.
When workers lose their jobs, the system fails them in three ways at once.
$400/wk
State unemployment pays $1,600/month
Average weekly benefit. In Texas, 37% wage replacement. Your rent is $1,800 a month. The math doesn't work.
26 weeks
And it only lasts 6 months
Most states cap at 26 weeks. The average job search takes 5 months. Workers exhaust benefits before finding their next role.
245K+
Tech jobs cut in 2025 alone
AI is eliminating entire job categories. 2026 is on pace to surpass it. Only 28% of workers can cover 3 months of expenses.
Monthly income after layoff
$1,600
State unemployment
$4,375
Vestd (Year 3)
$1,800
Dallas avg. rent
Vestd vs. state unemployment +$2,775/month
Benefit calculator
See your exact payout.
Drag the sliders. Numbers update in real time.
Annual salary $75,000
$30K — $200K
Years contributing 3 years
Year 1 through Year 17+
Monthly contribution
$313
5% of salary ÷ 12 months
Total Vestd benefit if laid off
$26,250
Year 3 · 70% coverage · 6 months
Coverage tier70% of salary
Monthly payment$4,375/mo
Duration6 months
State unemployment pays
$1,600/mo × 6 mo = $9,600
Vestd advantage
$16,650 more than state
How it works
Simple. Automatic. Yours.
Three steps. Zero paperwork. No employer permission required.
1
Enroll through payroll
Connect through Gusto, Rippling, ADP, or Paycom. Your 5% contribution deducts automatically — like a 401(k), but for income protection.
2
Build your tier over time
Every year you contribute, your protection grows. Year 1: 50% coverage. Year 5+: 100% coverage. Your tier follows you between jobs.
3
Payout when you need it
Request through the app. Termination verified automatically via payroll data. Approved benefit payouts pay biweekly — just like a real paycheck.
Built different
Why Vestd works when nothing else does.
Member-owned pool — not insurance
Insurance companies extract profit from your premiums. Vestd is a member-owned mutual pool. The reserve belongs to members collectively. No shareholder extracting profit. No incentive to deny your benefit payout.
$0
Direct competitors in private salary replacement
Grows with loyalty
50% at Year 1. 100% at Year 5. Your cost drops from 5% to 1% but coverage stays at 100%. The longer you stay, the more you earn.
Portable between jobs
Your tier follows you. Switch employers and your coverage continues. You don't start over. You don't forfeit what you built.
Payroll-integrated
Works natively with the platforms your employer already uses.
Gusto
Rippling
ADP
Paycom
Paychex
Involuntary only — verified automatically
Vestd pays when you're laid off — not when you quit. Termination code captured directly from your employer's payroll system. Zero self-reporting.
Protection tiers
Stay longer. Earn more.
Every year moves you up. At Year 5, cost drops from 5% to 1% — coverage stays at 100%.
50%
Year 1
60%
Year 2
70%
Year 3
80%
Year 4
100%
Year 5+ ★
100%
Year 10
100%
Year 17+
YearMonthly cost at $60KCoverageDurationTotal benefitStatus
Year 1$25050% of salary6 months$15,000Building
Year 2$25060% of salary6 months$18,000Building
Year 3$25070% of salary6 months$21,000Building
Year 4$25080% of salary6 months$24,000Building
Year 5+$50 (1%)100%6 months$30,000Full
Year 10$50100%12 months$60,000Extended
Year 17+$50100%18 months$90,000Maximum
Based on $60,000 salary. Benefits scale to $250,000 cap. 6-month waiting period. Involuntary termination only.
Competitive landscape
Nothing competes. That's the opportunity.
Every alternative fails workers in at least three critical ways.
The solution
Vestd
Member-owned income protection pool
Up to 100% salary replacement
Up to 18 months of coverage
Payroll-integrated, automatic
Portable between jobs
Grows with your loyalty
State unemployment
Government program
37% replacement (TX)
26-week maximum
Weeks to process
Tied to employer
Never improves
SoFi / credit unions
Loan pause only
No cash paid to you
Per-product, not portable
Debt, not protection
No loyalty benefit
Never improves
Personal savings
Self-insurance
Finite — depletes quickly
Years to build
No pooled protection
Opportunity cost
Gone when spent

It’s your money.
Get it when you need it.

Texas launch 2026. Join the waitlist and be first in line when enrollment opens.

You’re on the list. We’ll be in touch.
No spam. No employer required. Texas launch · 2026.
$480B+
Total market
160M+
Eligible workers
100%
Year 5 coverage
$0
Competitors

Built differently. On purpose.

Vestd isn’t insurance. It’s a member-owned pool — no shareholders extracting profit, no fine print, no employer required.

The full picture
Every detail of how Vestd works.
1
Enroll in minutes
Download the Vestd app. Connect your employer payroll. Your salary is verified automatically. No paperwork, no HR coordination.
2
Automatic deduction
Every pay period, 5% of your gross salary is deducted and deposited into the Vestd member pool. Just like a 401(k). The pool is collectively owned by all members.
3
Watch your tier grow
Your app shows your current tier, benefit balance, and what you’d receive if laid off today. Every year your tier advances. At Year 5 your cost drops from 5% to 1%.
4
Involuntary termination
If you’re laid off — not fired for cause, not resigned — you’re eligible to request a payout. Termination verified automatically through your employer’s payroll.
5
Request payout
Open the app. Submit your benefit request. Vestd cross-references the payroll termination code. Requests reviewed and approved in days, not weeks.
6
Biweekly payments
Benefits paid biweekly — just like a real paycheck — based on your current tier. 50% in Year 1, up to 100% by Year 5. Payments continue for the full duration.
Key rules — plain language
6-month waiting period
You must contribute for 6 months before your first benefit payout is eligible. This prevents opportunistic enrollment and keeps the pool fair for all members.
Involuntary termination only
Vestd pays for layoffs — not resignations or retirements. Termination code captured directly from your employer’s payroll system.
Your tier follows you
Change jobs and your tier stays with you — as long as you keep contributing. Your years of loyalty don’t reset when you change employers.
24-month reinstatement window
After a benefit payout, you can reinstate your tier within 24 months of finding new employment. You don’t start from scratch.
Hardship pause
Members can pause contributions for up to 6 months total without losing their tier.
$250,000 salary cap
Benefits calculated on your actual salary up to $250,000. Keeps the pool actuarially balanced.

Ready to build your safety net?

Texas launch 2026. Join the waitlist now.

You’re on the list. We’ll be in touch.

Built by someone who saw the gap up close.

Vestd was born from a decade watching what happens to workers when the system fails them.

Our founders
Todrian Rush
Todrian Rush
Founder & CEO · Dallas, TX
Todrian spent over a decade as an executive at the intersection of finance, collections strategy, and large-scale operational leadership. Most recently as Executive Director at Sylvan Road Capital — a PE-backed platform managing $3B+ in assets across 40+ markets — he recovered $100M+ in delinquent portfolios, reduced delinquency by 77%, and cut operational costs by 97%.

He saw firsthand what happens to workers on the other side of a layoff — the financial freefall, the gap between what unemployment pays and what life actually costs. Vestd is his answer.
$3B+ AUM managed
$100M+ portfolio recovery
40+ markets
10+ years leadership
Dallas, TX
Michelle Gonzalez
Michelle Gonzalez
Co-Founder & CFO/COO · Dallas, TX
Michelle brings more than 20 years of senior operations and financial leadership to Vestd, where she oversees operational infrastructure, financial systems, and organizational scalability. Her career spans high-growth and complex operating environments including PepsiCo/PBNA, Sylvan Road Capital, Booster Fuels, and Sears Home Services, with a proven track record of building the systems and controls that let organizations grow without breaking.

At Vestd, Michelle leads the design and implementation of the operational and financial framework underpinning the mutual pool platform, ensuring the business is built for compliance, durability, and scale from the ground up. She holds graduate degrees in Management and Leadership and Human Resource Development.
20+ years operations & finance
PepsiCo/PBNA
Sylvan Road Capital
Graduate degrees in Mgmt & HRD
Dallas, TX

Our mission

American workers deserve a safety net that actually catches them. State unemployment pays $400 a week. The average Dallas rent is $1,800 a month. Vestd exists to close that gap — permanently, portably, and without requiring an employer’s permission.

Why a mutual pool — not insurance

Insurance companies extract profit from the premiums you pay. Vestd is structured as a member-owned mutual pool — the reserve belongs to the members collectively. When you pay in, you’re building a shared safety net with other workers just like you.

Our values

Members first
Every product decision starts with: does this make members more protected? The pool exists for members.
Radical transparency
You know exactly where your money goes, how the pool is invested, and what your benefit will be. No surprises.
Loyalty rewarded
The longer you contribute, the more you earn. The tier system makes staying in always worth more than leaving.
Built for everyone
No employer relationship required. No income threshold. No credit check. If you have a W-2 job, you can build your safety net.

The safety net your job never gave you.

Texas launch 2026.

You’re on the list. We’ll be in touch.

Partner with Vestd.

We’re building the safety net 160 million American workers don’t have. Join us as an investor or payroll platform partner.

$480B+
Total addressable market
7,500:1
LTV:CAC at payroll scale
$0
Direct competitors
Why now
AI displacement is accelerating
245,000+ tech jobs cut in 2025. 2026 is on pace to surpass it. Workers are anxious and the safety net is visibly broken. Vestd is the only private-sector product built to address this.
No direct competitors exist
IncomeAssure and SafetyNet both failed using an insurance model. Grid and MIC Global cap at $4,000 total. The private salary-replacement market is empty.
Payroll distribution is the moat
Integrations with Gusto, Rippling, ADP, and Paycom provide access to 40M+ workers. $2.95 per member monthly aligns partner incentives. Once embedded in payroll, churn approaches zero.
Verified unit economics
$161.92 net to pool per member per month. LTV:CAC 7,500:1. 10-year actuarial model triple-verified. Pool survives 2008-severity recession at Year 8+.
Data room — available on request
Every document below is complete and investor-ready.
Pitch deck v8
20 slides · investor-ready
Actuarial report
716 paragraphs · 10-year model
Actuarial model
Excel · 8 tabs · fully dynamic
Legal research memo
6 regulatory questions mapped
Member policy
Complete product terms
Use of funds
Detailed allocation breakdown

Ready to see the data room?

Request access below. We’ll respond within 24 hours.

Request received. We’ll be in touch within 24 hours.

Let’s talk.

Worker, investor, or payroll partner — we want to hear from you.

Get in touch
General inquiries
info@vestdinc.com
We respond within 48 hours
Investor relations
todrianrush@vestdinc.com
Data room available on request
Payroll partnerships
invest@vestdinc.com
$2.95 per member monthly · API integration
Location
Dallas, TX
Vestd Inc. · Delaware C-Corp
Website
vestdinc.com
Texas launch · 2026

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