Last year, in cooperation with many of my friends on a private social network, I took an idea from neighborhood organizations here in Chicago and started a small online-only mutual aid fund. Over twelve months, we distributed more than seven thousand dollars from some friends to others, mostly in increments of $100 USD. I want to be clear that everyone involved in that system was of equal importance to its operation: people have to identify and articulate their need for help in order for donations to have a place to go, and both asking and donating take courage and labor. A number of the people involved made requests at one point and donations at another, which I think illustrates how important the fluidity of a mutual aid project can be. Here are the steps we took to get it running.

1. In the fall of 2020 I started a new PayPal account, connecting it to a small, otherwise-unused free checking account I had signed up for when I arrived in Chicago so I could use local ATMs.
   • The login email address was the incoming-mail address for a mailing list I created with Mailman. While having a mailing list was good, I wouldn’t actually recommend taking this particular step–it became a headache. Instead, it would have been better to get a free email account and set that account to automatically forward messages to everyone who wanted to help with admin.
2. For a few months, we kept the idea of the fund quiet. I would put a little money in the PayPal account each time I got paid, and others on the admin team did the same. By January, we started reaching out in private to friends in our networks who had mentioned feeling squeezed financially, and made our first couple of disbursements. We chose $100 as our standard disbursement arbitrarily, but it’s worked out okay: it’s a round number, easy to remember, both significant enough to be helpful and relatively easy to raise.
3. We set up the account’s paypal.me vanity URL with both “send” and “request” buttons, which made it easy for anyone who knew about the fund to interact with it, including people in countries outside the US.
4. My friend Vanessa spent months working on a quilt and kindly offered it as a prize for donations. This was when we started telling more friends (still only by word of mouth) about the fund, and offered up to five raffle tickets per person at $5 each. Many friends gave more than $25 just because they were glad to offer it, and the days leading up to the raffle became the most significant week for donations all year. But it also spread word that the fund existed, so we got a number of requests that week too, allowing for the redistribution of most of the donated money quickly.
5. To keep track of our numbers, we set up a simple check-register-style shared spreadsheet with one column for date/time, one for the admin making the entry, one for credits, one for debits, one for the updated account balance, and one for an MD5 hash of the name of the donor or requester. Several of us, with strong mutual trust, shared the password for the PayPal account. (I was glad to have that trust, since it was still technically linked to my bank account. No money entered or left the bank, though; we only worked out of the PayPal balance.)
   • The reason for those hashed names was to protect privacy to some degree while still keeping an eye out for weird patterns, since many people who interacted with the fund were more than one degree of separation from the admin team. No such patterns emerged, I believe thanks the network of social trust already in place.
6. Once in a while, one of the admins would mention the fund and note whether it had some unused cash or was tapped out, which tended to produce a small bump in requests or donations. As soon as there was enough money in the account to fulfill an outstanding request, we did so, without asking for justification or calculating who requested how often. When someone asked for more than the standard $100, we would try to fulfill it if the balance was high enough and there were no other outstanding requests; otherwise, we would cancel the initial request and send $100 in its place.
7. By glad coincidence, our number of donations and requests balanced out very well, and at the end of the year there was a balance of $30 left in the account.

I sincerely don’t know if we were operating within the PayPal terms of service, so I’m not advising you to replicate the steps above yourself, but I think I can say that the flow of money was small enough that we didn’t seem to attract any scrutiny. There are a number of consumer fake-bank services in the PayPal space now, of course, but the single memorable URL endpoint and the ability to transfer money across borders were useful features. In future, we’re hoping to shift the account to a cheap corporate entity and let an accountant figure out any potential tax situations, but this setup worked well enough to prove the concept.

I want to emphasize again that a crucial factor in the operation of this plan, perhaps only second to people’s willingness to ask and to give, was the existing network of trust among interconnected small groups of friends. The fund is a tech solution to a social problem, but it would be no solution at all without people’s strong and meaningful ties to one another. Once my friends and my friends’ friends had done the work of building those bonds, all we needed was free tools, grace, and will. No blockchain ledger, no web3, no crypto, no “trustless” transactions. All of our transactions were made firmly on a foundation of trust. Even here in the Shrieking Twenties, when a million people are poised to jump down your throat insisting that mathematically-provable Beanie Babies are the infinite solution to all human problems, ordinary friends can still cobble things like this together out of the Web We Lost. It isn’t all lost yet.