How it works
Receipt in, ownership out
Cash back gives you a little of your money back. Invo gives you a little of the company instead.
- 01
Shop at an eligible brand
In store or online, exactly as you already do. There is no Invo card, no checkout plugin, and nothing to remember at the till. Keep the receipt or the confirmation email.
- 02
Submit your proof of purchase
Photograph the receipt, or paste in the order-confirmation email. We need the brand, the date, and the total, so make sure those are legible.
- 03
We verify it
A reviewer checks the receipt is genuine, matches an eligible brand, and has not been submitted before. This usually takes minutes.
- 04
Stock lands in your wallet
Your reward is converted from dollars into fractional shares at the current price and sent to the wallet address you control. 1,000 invos equal one whole share.
A worked example
- You spend at Starbucks
- $42.00
- Starbucks reward rate
- 4%
- Reward value
- $1.68
- $SBUX price at issue
- $98.70
- Invos you receive
- 17.02 $SBUX
- Which is
- 0.01702 of a share
Questions
Is this real stock or just points?+
Real fractional ownership of listed equities, held as tokens in a wallet you control. It moves with the market, and you can hold or sell it. It is not a loyalty balance that we can devalue or expire.
Why a wallet instead of a brokerage account?+
Self-custody is what lets Invo work in 120+ countries. Opening brokerage accounts requires licensing in every market separately; a wallet you already own does not.
What does it cost me?+
Nothing. Invo takes a 1% protocol fee on the notional value of each reward it issues, which comes out of the protocol side, not your balance. 75% of that fee is used to buy and burn $INVO.
How large a purchase can I submit?+
Any size, though unusually large submissions get a closer look during review. Each receipt can only be claimed once.
What if my receipt is rejected?+
You will see the reason on your receipts page. The most common causes are an unreadable photo, a brand we do not cover yet, or a duplicate submission.
Do I have to sell to get value?+
No. The shares are yours whether you hold them for years or sell tomorrow. Any dividends flow through to the holder in the usual way.