Where does my money actually go?
Only to the things you picked, rung up at local shops in the five cities. Never cash, gift cards, lottery, alcohol, tobacco or cannabis. You get a note each time it's used.
Fort Collins · tonight
Someone near you is one hot meal short tonight.
With Cover, you pay for it: a hot meal, a wash, a coat, picked up at a shop down the street like any other purchase. You'll know when it's used.
Fort Collins
Your town, tonight.
Every light represents a household.
376,000
people in Northern Colorado can't afford the basics.
Rent, food, childcare, a car, a phone. Most of them work. Some of them work where you shop.
United For ALICE, State of ALICE in Colorado, 2026 (2024 data)
1 in 3
households here earn less than the basics cost.
On a street of nine houses, that's three. Working, mostly. Just not enough.
153,665 of 433,352 households, Larimer, Weld and Boulder counties
130,000
people here don't always have enough to eat.
The brighter ones.
Feeding America, Map the Meal Gap 2026 (2024 data)
Half
of them earn too much for SNAP.
The hollow ones. Too much for SNAP. Not enough for the week.
Colorado, 50.6% above the SNAP threshold, Map the Meal Gap 2026
Back on your street
It's never one big thing. It's the next small one.
A hot meal. A wash. A coat. Someone who lives here covers it; a shop you know rings it up.
Fort Collins · tonight
Pick the next small one.
The same things you'd buy on a Tuesday. Hold, and see him with it.
1 Pick one
Coats, hygiene kits, groceries and forty more in the app, each with a fair limit. Cover pays the real price, never over.
2 Press and hold
Let go early and some of the light stays.
That's covered. He ate at a café table tonight.
Cover
A hot meal, covered. At a café in Fort Collins. Today.
Sample: this is how you'll hear about it.
A café you've walked past. A note when it's done.
How it works · 1 of 5
Sam asks for what he needs.
A local group confirmed him once. Now asking takes a tap. You'll never see his name.
One gift, three phones · watch it travel
A hot meal, on every phone it touches.
What you give becomes a hot meal, picked up at a café down the street.
- Alex opens Cover and taps Give again.
- Alex gives $50 for food and drink near Fort Collins. The gift waits for someone nearby.
- Days later, Sam shows the pass at Rosa's Café: a QR code and the code K7Q-42.
- Rosa's sees only what's on the pass, and taps Hot meals.
- Rosa's asks. Nothing is used until Sam says yes.
- Sam reads "Hot meal, $10.50 of up to $12. You pay nothing." and taps Yes, that's right.
- Covered. Sam gets the meal. Rosa's is paid on Friday.
- A few hours later, Alex hears about it: the thing, the kind of place and the city. Never a name.
Fair questions
Every doubt, answered by how it's built.
Do they really need it?
Everyone on Cover is confirmed by a local group that knows them, a food bank, a shelter, a clinic, a senior center, or by a video call with the Cover team.
Am I helping, or keeping someone stuck?
Cover covers the next small thing: meals, groceries, laundry, a bus ride, a coat. Every item has a limit, and a local group checks in at three months to connect people to longer-term help.
When and where?
2027, in Fort Collins, Loveland, Greeley, Longmont and Boulder. Then the Denver metro in 2028.
What small looks like
One family. One week.
Rent went up. By Tuesday, the fridge was empty.
Groceries for the week, rung up at the corner market like anyone's. Someone across town covered them.
Groceries · coveredOne more wash before picture day.
The load she was going to skip. Clean clothes for school on Friday.
Wash and dry · coveredA morning that's just a morning.
Breakfast from Tuesday's groceries. Nobody at this table is counting.
Breakfast · already coveredNone of it was big. All of it got covered.
That's what small looks like: the next thing, before it turns into the big thing.
A portrayal, not a real family.
What Cover is covering
Every one is a thing, a shop and a day.
Preview with sample numbers until launchWhere it gets covered
Local shops ring it up like any other sale.
Cafés, grocers, laundromats and thrift stores in five cities. They give Cover a discount and get paid every Friday.
Illustrative shops for this preview. Real partners are named at launch.And 15 more across Fort Collins, Loveland, Greeley, Longmont and Boulder. Run a shop? Take Cover at the counter.
Cover the next one.
Get Cover, the app for people who give. Opening 2027 in Fort Collins, Loveland, Greeley, Longmont and Boulder.
Also coming: Cover Pass for neighbors and Cover for Business for the shops that take it.
Not open yet. Opening 2027. This page will say when.
Two more doors.
Run a shop? Take Cover at the counter.
- Pick the items you'll provide and the price limit on each. Nothing goes live until you say so.
- Scan the pass, ring up the item at your normal register price, the customer says yes on their phone.
- Paid every Friday, less the discount you give Cover. Undo for ten minutes if anything's wrong.
Need a pass? Here's how it works.
- Apply in Cover Pass. A local group that knows you confirms you, or a short video call with Cover does.
- Ask for everyday things. Each one shows up on your pass with a count and a limit, like "Hot meals ×2, up to $12 each".
- Show your pass at the counter and shop like anyone else. Nothing is used until you say yes.
Where does my money actually go?
Only to the things you picked, rung up at local shops in the five cities. Never cash, gift cards, lottery, alcohol, tobacco or cannabis. You get a note each time it's used.
Do they really need it?
Everyone on Cover is confirmed by a local group that knows them, like a food bank, shelter, clinic or senior center, or by a video call with the Cover team.
Is it cash?
No. A neighbor shows a pass, the store rings up the item at its normal price within the item's limit, and Cover pays the store every Friday.
Am I helping, or keeping someone stuck?
Cover covers the next small thing: meals, groceries, laundry, a bus ride, a coat. Every item has a limit, and a local group checks in at three months to connect people to longer-term help.
What do local businesses get?
New customers who shop like anyone else, their normal register price less a discount they give Cover, and payment every Friday.
When and where?
2027, in Fort Collins, Loveland, Greeley, Longmont and Boulder. Then the Denver metro in 2028.