guaranteed-income
(2)
MoCaFi moved the money. Keeping the business alive was harder.
MoCaFi made public aid spendable for people banking often overlooked. Its rise, and its March 2026 liquidation, show how much financial inclusion depends on the machinery behind the money.
Micruity
Micruity is a financial-technology infrastructure company building the data pipes that let lifetime-income products work inside everyday 401(k) plans. Its Advanced Routing System (MARS) acts as a secure central clearing house that connects insurers, asset managers, recordkeepers and plan sponsors, letting them communicate, verify and aggregate annuity data so retirement savings can be turned into a predictable monthly paycheck. Founded in 2017 by Trevor Gary and Chris Livadas, the company is headquartered in Toronto and raised an oversubscribed $20M Series A in December 2025.