TeamWALT

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About

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Modsquad

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Work

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Careers

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We Are Team WALT

Here at Team WALT, we tackle specific problems facing those largely ignored by the traditional financial system and develop rapid prototypes and focused app solutions to meet those needs.      

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About Us

Southern Bancorp

Thirty years ago, some of rural America’s most underserved and distressed communities gained an economic development partner when visionaries such as Bill Clinton, Rob Walton, Mack McLarty, the Winthrop Rockefeller Foundation and others formed the Southern Development Bank Corporation, today known as Southern Bancorp. 

Southern Bancorp, Inc., along with its development partners – Southern Bancorp Bank and Southern Bancorp Community Partners, has grown to become one of the largest Community Development Financial Institutions or CDFIs in the United States.

Southern’s focus is on growing its impact and influence through responsive, responsible, and innovative product delivery to the un/underbanked, as well as developing strategic partnerships that help broaden its impact far beyond its physical market.

TeamWALT

In a nod to one of Southern Bancorp’s founders – Walter Smiley, the founder of Systematics, Inc. (now known as FIS) – Southern’s innovation division is named TeamWALT (Wealth Accumulation and Lifestyle Tech).  Led by Walter’s son and Southern Bancorp’s Chief Innovation Officer, Vance Smiley, TeamWALT is an innovation division free to focus on new and creative solutions to challenging financial problems – all through Southern’s mission-oriented lens. 

Nimble four-person development teams known as ModSquads tackle specific problems facing those largely ignored by the traditional financial system and develop rapid prototypes and focused app solutions to meet those needs.   

 

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Modsquad

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Vision

Talk with real people about their real problems.

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Mission

Identify a problem and work with the community to find a solution. 

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Design

Keep the end user’s needs in mind.

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Development

Develop the application.

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Deploy

Put the app in the hands of the people we set out to help.

 

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Data

Gather the end user’s feedback.

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Defend

Improve and market the application to the masses.

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Work

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Our Work

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A savings app like no other! 

Weathable was built by TeamWALT to help people SAVE!  We understand that saving is hard & boring, BUT it is necessary!  Wealthable puts you in full control over your finances by allowing you to organize your bills and income in different pockets that we call ‘Vaults’

Wealthable has No Monthly Fees, No Hidden Fees, and No Overdraft Fees.  Wealthable also pays interest daily at 4x the National Average!

Set up as many mini checking accounts or Vaults for different Saving or Spending goals; example: a vacation, new car, new house, but also your Netflix, Rent, and Car Payment, etc...all in different vaults, so you are drafted separately and securely! 

That’s not ALL, Wealthable also gives you Keys’ to the Vaults, so if you are not supposed to be being charged by a particular vendor, simply turn that Vault OffFull Control.  As you continue to use Wealthable you can keep track on how well you’re doing using your Wealthability Score metric inside the app; this tool will help you stay on top of your finances.

Once on top of your finances, you can share the wealth using the ‘Send/Receive’ feature inside the app!  Pay your friends back for the pizza night or they can even contrinute to a trip you guys have planned via a Sharable Vault

These and more are ALL the things Wealthable can help you do in your journey to a better financial YOU!

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Welcome to Gamified Savings as seen on TikTok!

Ever heard of the “Envelope Challege”? Well we have brought it to your phone!  It will be in the Apple and Google Play store 1st quarter of 2022! 

The envelope challenge helps a person save $5,050 in a years’ time.  They do this by getting a box, 100 envelopes, and a marker. They number the envelopes from 1 to 100 and toss them in the box.  Each week they shake the box, pull out an envelope, and whatever the number envelope they put that amount of cash into the envelope, they seal it up, and put it to the side.  Next week, they do it again, 52 weeks later, they have $5,050!! 

Well, no more running to the store to buy 100 envelopes, or search around your house for a box!  With, Envie, it is all in the palm of your hand, and you can have control by setting the challenge to whatever amount you want and for however long you want!

Envie makes saving FUN! 

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If you or someone you love has ever struggled financially, then you know how hard it is to escape the cycle of poverty, well, that’s where Break the Cycle comes in!

Break the Cycle was created in the hopes of disrupting the Pay Day Lending industry.  As we all know, pay day lending is a hamster wheel very hard to break!  The outrageous interest keeps people from having full access to their paycheck and preys on the situation the person finds themselves in.  No one should be kicked while they are down, so Break the Cycle helps people that need funds immediately whether for groceries, a car repair, or rent receive those funds instantly.

Break the Cycle also helps build back confidence in borrowing money because it charges a fair interest giving people access to more of their hard earn money when they need it most. 

People will be able to borrow $25 to $250 without ANY interest!  Also, up to $1,000, at a fair interest, one loan at a time.  One loan at a time, building confidence and a track record that will lift their spirits and help them Break the Cycle.     

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