Terence Exodus

Nearly two decades inside
a Fortune 500 enterprise.
Then this.

Terence Exodus joined UnitedHealthcare in 2007 and has spent nearly two decades working inside one of the country's largest and most complex enterprise environments.

Over that career, he has worked across operations, products, processes, systems, and cross-functional teams, and currently serves as a Product Owner.

Terence also holds a Business degree with a concentration in Management, adding formal business training to nearly two decades of enterprise product and operations experience.

UnitedHealthcare is part of UnitedHealth Group, a Fortune 500 parent company, giving Terence years of firsthand experience operating inside an organization where products, technology, processes, regulation, customer needs, and operational execution all have to work together.

That experience has shaped the way he approaches Hold-It: understand the problem clearly, think through the edge cases, build deliberately, measure what works, and improve from evidence.

Terence continues his professional career while building Hold-It Financial Inc. — supporting his family and building the company toward the point where Hold-It can ultimately become his full-time focus.

"I didn't build Hold-It because I came from banking. I built it because I understand systems — and I experienced the problem personally."

My responsibility as a founder is to surround that idea with the financial, legal, compliance, technical, and banking expertise required to build it responsibly.

The trip that
started everything.

That experience created the question behind Hold-It: Could a better commitment structure help travelers protect the financial intention they already made?

"What I needed wasn't another place to look at a balance. I needed something that kept the trip visible, kept the commitment real, celebrated progress, and made me think before abandoning the plan."

Built on one belief:

A great trip shouldn't have to follow you home as debt.

Why we're starting
here.

The original Hold-It vision was ambitious from the beginning: a regulated Travel Vault, Time + GPS controls, and a Cold Card designed around the moment a traveler actually reaches the experience they saved for.

That vision still matters to me.

But the deeper I worked through what it takes to build a regulated financial product responsibly, the more I came back to a simpler question:

Will people actually make and keep the commitment?

I don't believe Hold-It should spend years and millions of dollars building financial infrastructure before answering that.

So we're starting with the commitment.

The Hold-It Evidence Program is being developed to help us understand that behavior while participants remain in control of their own money.

If the evidence supports moving forward, the regulated product comes next.

The vision is
still bigger.

Hold-It is ultimately being built around a larger idea: financial preparation for travel should happen before debt becomes the easiest option.

The future roadmap includes concepts such as a regulated Travel Vault, Time + GPS financial controls, and the Cold Card.

Those features are not part of the current Evidence Program. Building them will require the appropriate product development, funding, financial partners, legal and compliance work, and required approvals.

The vision didn't shrink. The order became clearer.

The timeline.

Join the Exodus.

Hold-It is still being built.

If you've ever planned a trip, meant to save for it, and watched that money disappear before departure, you're part of the reason we're building this. Follow the journey. Help shape what comes next.

Join the early Hold-It community and follow what we're building.

Holding your spot does not guarantee participation in the Evidence Program or access to a future regulated product.

"Hold-It started with a trip my family wanted to enjoy without carrying it home as debt. Everything we're building comes back to that moment."

— Terence Exodus, Founder