PrepaidWealth.com is a FinTech platform that provides 80% of the margins made by retailers, on data bundles and airtime, back to the consumer as discounts or as accumulated cash. The platform also provides a way for a group of people to accumulate the margins together, while they are spending their data bundles and airtime discretely. This makes the platform powerful for passively fundraising without members of a group directly contributing money. Groups such as stokvels, schools, churches, residential complexes, work departments, friends, families, etc. can use the platform for fundraising