A retirement floor priced in the units you'll actually pay for.
Retirement is sold as a number. It's lived as a bill. Maslow lets you save for your future power, water, and internet in kilowatt-hours, gallons, and gigabytes, not a dollar guess. We're building the first pilot in Massachusetts.
essentials
A fixed dollar shrinks. An essentials floor holds.
is what the average US household spent on utilities, fuels, and public services in 2024. It is the one bill that never retires. BLS
of US households have no retirement account at all. For them, a floor is the first product, not an add-on. SCF 2022 via CRS
of power and gas was prepaid by public utilities in the last five years to lock in a discount. Households can't buy in. Yet. LPPC
Four steps. No wallet. No jargon.
Map your floor
Link your utility accounts. Maslow reads your real quantities: kWh, gallons, and plan.
Pick a coverage goal
Choose a share (say, 60%) and a term. See today's price of that promise before you commit.
Prepay yearly or monthly
Money sits in an escrow held for you, and funds claims month by month. You watch coverage grow.
Retire on credits
Coverage becomes credits applied to your bills by your provider. Cash stays free for everything else.
Industry buys quantities. Households buy dollars.
Data centers and industrial buyers lock in power and water for years. Utilities fund the plants with bonds. Households buy the same kWh and gallons at retail, one bill at a time, and save for them in dollars that lose value.
Maslow closes the loop: savers hold claims on the output itself, registered in units, with a named party who owes them.
- Priced in units. Your claim is 540 kWh for January 2041, not "$216 of value."
- A named obligor. Every statement line says who owes the credit and what funds it.
- Your provider, your address. Credits post on the bills you already get.
- Built on a proven ledger. The books run on Ratio, an accounting kernel whose core properties are machine-checked.
Honest by design.
No lifetime guarantee
Coverage has a dated term. Renewal and survivor rights are contract terms, not assumptions.
No investment return
You buy coverage, not yield. Value is measured in essentials kept within reach.
No deposit insurance
Claims are not insured deposits and will never be marketed as such.
No inflation hedge from a stablecoin
A dollar stablecoin inflates like a dollar. The kWh and gallons in your claim do the protecting.
No promise without an obligor
Every line on the statement names who owes the credit, what funds it, and the remedy if it fails.
No hidden gap
The remaining, unfunded share of your essentials is shown on every statement.
Be first on the floor.
We're planning a first pilot with one Massachusetts credit union and one municipal utility. Joining the waitlist tells us where you are, who delivers your power, and how you'd rather prepay. That's the evidence that gets a pilot funded.
Credit unions, utilities, and investors: pick your role in the form and we'll reach out.
Questions people ask first.
Is this an investment?
No. Maslow is a proposed prepayment program: you would buy a share of your future essentials, delivered as bill credits. Nothing is for sale today and no money is collected on this site.
Who would owe me the credits?
A dedicated reserve trust that holds the assets funding the claims, named on every statement. The trust, its trustee, and its auditor are contracted before any benefit is issued.
What if prices rise faster than expected?
Your claim is in units, so a kWh is a kWh. The trust hedges the dollar cost of delivering them. The share you didn't fund is shown as a gap, never hidden.
When does this exist?
We're in a read-only "shadow year": real bills, real households, no product issued. If the basket beats cash and CPI after fees and a utility signs, a pilot follows. If not, we say so.
Who is behind it?
Lotic Labs, founded by Matt Marshall in Scituate, Massachusetts. The first household on the list is his.
What do you do with my email?
We email you about the pilot and ask a few questions about your bills. We don't sell the list. Unsubscribe any time.