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Oakland, California

Startup creating higher returns for impact investing.

This California-based fintech wants to upend the world of impact investing, or socially aware investing, by making sure its users get the maximum return possible. Through a combination of its “technology-first” approach and providing clients access to U.S. Treasury Department-certified financial institutions or CDFIs (Community Development Financial Institutions), the startup is able to give the majority of the interest generated back to the client.

This approach enables the company to give its users more than 40 times the rate of return of a traditional savings account, according to its website, citing a 2.5% rate of return. Returns are subject to the performance of CDFIs, though Cnotes’ rates are tied to prime.