Character Is Collateral
On Our Block turns personal behavior into access to local financial incentives and services.
On Our Block helps people build wealth by turning everyday financial behaviors into verified progress that unlocks financial incentives, services, and capital in their neighborhood.
Why On Our Block Matters
for Building Wealth
Earn rewards redeemed at local shops.
Build credit by reporting rent payments
Unlock access to wealth building services
Track your financial progress over time
How To Use The On Our Block App
-
![]()
Step 1
Download the On Our Block app to create an account and access the OOB Reward Coin program.
-
![]()
Step 2
Earn OOB Reward Coins by completing verified, wealth-building actions in the app.
-
![]()
Step 3
Manage coin balances and view reward exchange rates in the OOB Mobility Wallet.
-
![]()
Step 4
Exchange coins for financial rewards at participating merchants in your community.
Build toward what’s next
*
Build toward what’s next *
Every action you take in On Our Block strengthens your financial profile. Over time, that progress helps move you from day-to-day stability toward homeownership, market investing, and business ownership—with real signals lenders and partners can trust.
Eligible Activities to Earn On Our Block Reward Coins
Rent-2-Home is a step-by-step homeownership readiness program that offers credit score management, rent reporting to TransUnion, property searches and automated mortgage readiness scoring.
Represent On Our Block is a merchant rewards program that helps On Our Block app members earn rewards coin for shopping with merchants in their neighborhood.
Build Wealth From Scratch is a 12-point framework that guides aspiring business owners through the art and science of entrepreneurship.
On Our Block is rooted in service to the communities where we live, work, and play.
“The first real estate is in your mind.”
— Malik Yoba, Founder & CEO of Yoba Development, speaking at an On Our Block: St. Louis pop-up.
“We can continue to make progress”
— Keisha Sutton James, Deputy Manhattan BORO president, speaking at an On Our Block: Harlem pop-up.
“We believe everyone should have access to credit to build wealth ”
— Tracie Anderson, Principal, Economic Inclusion Strategy, TransUnion
Join the On Our Block Partner Program
Activate your client list into qualified customers without adding staff.
Financial Readiness Pathways
Enroll customers across your client list into structured financial readiness pathways powered by incentives and rewards.
Automated Incentives
Automate compliant, behavior-driven engagement using rewards and behavioral science to drive measurable financial progress.
Readiness Dashboards
Track customer readiness, engagement, and key financial milestones in a single, provider-friendly dashboard.
Intelligent Engagement
Engage customers only when verified progress signals real readiness to act, protecting frontline staff time and efficiency.