For those asking how this is different from a loan, the important difference is that you don't get money just for saying you want to take money from your future self, you get money for achieving metrics that you and the lenders have decided will get you to a pre-selected goal. That goal can be as much about what the lenders want, as what you want (hopefully there will be an intersection between the two sets). And you don't get the money based on creditworthiness, but rather the expected gain in future earnings/benefit that getting the loan (and reaching the goals) will achieve. And the schedule of achievements (and payments) will almost certainly be determined (or at least approved) by the lender ... although I guess a potential borrower could solicit the site/a lender to come up with a schedule for a certain goal and/or pre-determined schedules could taken by the lowest bidder in an open market.