100% direct, person to person · 0% platform cut
Swipe through bills. Wipe one out.
Covered is a fast, direct way to take a real bill off someone's plate. There's no pooled fund and no middleman. You pick a bill, choose how much to give, and send it straight to their Venmo or Cash App. Covered never touches the money.
For givers
- 1
Flip through bills
Each card shows a real bill: what it's for, how much is still needed, the due date and a short story. Pass on a bill or tap Cover.
- 2
Pick your boost
Cover the whole thing or chip in what feels right. We hold your amount for 30 minutes while you send it, so nobody else gives that same share.
- 3
Send it direct
Pay their Venmo or Cash App in one tap, then tap "I sent it." Your gift shows as "on the way" until they confirm it arrived.
For people who need a hand
- 1
Verify your ID
A one-time photo ID and selfie check through Stripe, the same company that handles payments for millions of businesses.
- 2
Post your bill
Upload the bill and tell your story in a few sentences. You can have one active bill at a time, up to $500.
- 3
Confirm every gift
When a gift arrives, upload a screenshot showing it landed. Only confirmed gifts lower your balance.
- 4
Show it's paid
Once your bill is covered, upload proof you paid the biller within 7 days.
How we keep it safe
Several checks have to pass before a bill reaches you, and more checks run after money moves.
Verified identity
Everyone asking for help passes a government ID and selfie check with Stripe Identity. Covered never stores ID photos.
AI fraud checks
AI reads every bill to spot mismatched names, edited amounts, odd details and possible duplicates, then flags anything unusual for our team. It never approves anyone on its own.
Real human review
A person on our team looks at every bill and its AI findings before it goes live, and writes the short summary you see.
Screenshot-confirmed gifts
A gift only counts once the person shows it arrived. If no screenshot comes within 3 days, our team checks the account.
Proof the bill got paid
After a bill is covered, the person has 7 days to show they paid the biller. Accounts that don't are flagged and can't post again.
Private by design
Bill documents stay private and are only seen by our review team. You see a summary, never their account numbers or address.
Built-in limits
One active bill per person, up to $500, so no one can take advantage of givers.
Report anything
See something off? Every card has a "Report this bill" link that goes straight to our team.
Tax note
Gifts to individuals aren't tax-deductible today. Tax-deductible gifting is coming soon.
Ready to brighten someone's day?