Protect your future power and water from rising prices.
Maslow lets you prepay years of essentials now, in kilowatt-hours and gallons instead of dollars, so what you set aside for retirement can’t shrink.
Buy your retirement’s power and water now.
Prepay the electricity, water, and internet you’ll use in retirement, priced in the units you’ll actually use. When the time comes, the credits pay the bills.
Retire with the essentials already paid for.
Maslow is a way to prepay your power, water, and internet for the years you’re not working, in kilowatt-hours and gallons, so rising costs can’t eat what you saved.
essentials
The bills you can't retire from.
a year is what the average US household pays for utilities and public services. Retirement doesn't lower it. BLS 2024
of US households have no retirement account. Before a portfolio, they need the lights and water covered. SCF 2022 via CRS
of power and gas was prepaid by public utilities in five years to lock in lower prices. Households can't do the same. Yet. LPPC
Prepay now. Get credits later.
Link your bills
Connect your power, water, and internet accounts. Maslow reads how much you actually use.
Choose how much to cover
Pick a share of those bills (say, 60%) and the years you want covered. See the price before you commit.
Prepay monthly or yearly
Your money sits in an escrow account in your name and buys the units a bit at a time.
Credits pay the bills
In retirement, credits land on the bills you already get, from the providers you already have.
Big buyers already prepay. You can't. Yet.
Data centers and factories lock in years of power and water at a set price. Utilities like the deal because the money arrives up front. Households pay retail, one bill at a time, and save for it in dollars that buy less every year.
Maslow lets you buy in the same way, in kilowatt-hours and gallons, with a named party who owes you the credits.
- Priced in units. Your claim is 540 kWh for January 2041, not "$216 of value."
- Someone owes you. Every statement names who owes each credit and what funds it.
- Your provider, your address. Credits post on the bills you already get.
- Books that add up. Balances run on Ratio, an accounting kernel whose core rules are machine-checked.
Honest by design.
No lifetime guarantee
Coverage has a start and an end date. Renewal and survivor rights are written terms, not assumptions.
No investment return
You buy future essentials, not yield. The value is bills that stay paid.
No deposit insurance
Claims are not insured deposits and will never be described as such.
No magic from stablecoins
A dollar token inflates like a dollar. The kilowatt-hours and gallons do the protecting.
No promise without a name
Every line on the statement says who owes the credit, what funds it, and what happens if it fails.
No hidden gap
The share of your bills you haven't covered is shown on every statement.
Join the Massachusetts pilot waitlist.
The first pilot pairs one Massachusetts credit union with one municipal utility. Tell us where you live, who delivers your power, and how you'd rather prepay. That is what gets a pilot funded. No money is collected.
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 kilowatt-hour is a kilowatt-hour. The trust hedges the dollar cost of delivering them. The share you didn't cover 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 prepaid units beat 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.