In an industry often criticized for opaque practices and aggressive marketing, a new platform is launching with the goal of bringing transparency and education to the forefront. Sell My Structured Settlement for Cash (SMSSC), an education and quote platform for individuals considering the sale of structured settlement, annuity, or lottery payments, announced its nationwide launch today. The platform aims to demystify a process that is heavily regulated and varies significantly by state.
The sale of future payments is a court-supervised transaction governed by Structured Settlement Protection Acts, which differ in every state. SMSSC seeks to address this complexity by offering more than 60 plain-English guides covering the court approval process, discount rates, taxes, and alternatives to selling. The platform also provides state-specific pages for all 50 states and the District of Columbia, ensuring that users can find information tailored to their jurisdiction.
To further enhance transparency, SMSSC has published its editorial standards at sellmystructuredsettlementcash.com/editorial-standards/, and all content is reviewed by named experts. This move is intended to build trust in an industry where consumers often feel overwhelmed and uncertain.
One of the key features of the platform is a suite of three free calculators designed to help payment holders understand offers before they sign anything. Notably, a decoder tool reveals the discount rate implied by any offer they have already received, allowing consumers to compare deals on an apples-to-apples basis.
In addition to consumer-facing resources, SMSSC has released a free public data library for journalists, researchers, and consumer advocates at sellmystructuredsettlementcash.com/cite-us/. The library includes a 51-jurisdiction Structured Settlement Protection Act statute table, 2026 lottery tax rates by state, a directory of courts where transfer petitions are filed in 87 metro areas, and a status tracker for annuity issuers. All datasets are free to reuse under a Creative Commons license.
“We built the site we wished existed when we started researching this industry,” said a company spokesperson. “Every number on it is sourced, the people who review the content are named, and the reference data behind it is free for anyone to check our work.”
The platform is backed by Genex Capital, an A+ BBB-rated funding partner that has served more than 50,000 clients since 2003, completed over $1.2 billion in transactions, and maintains a 95 percent court approval rate. Every SMSSC quote carries the Genex Guaranty, which includes a price match promise, no surprises between the quoted and final net amount, and legal costs covered by the funding partner.
The process for selling payments is consistent across states: a written quote that discloses the discount rate, document signing via DocuSign or notary at no cost, a transfer petition filed with the court by the funding partner’s legal team, and funding approximately three business days after court approval.
By providing free educational resources and transparent data, SMSSC aims to empower consumers to make informed decisions about their financial futures. The launch comes at a time when many individuals are seeking alternatives to manage their finances, and the platform’s emphasis on clarity and accountability could set a new standard in the structured settlement industry.
