Kamioi

Volatility is surging—global markets dropped sharply after the recent Israel‑Iran tensions, with the Dow plunging ~770 points and the VIX (Wall Street’s “fear gauge”) spiking ~30%. Yet fintech IPOs are thriving—Chime soared ~37% on debut, signaling renewed investor appetite in financial innovation.

🧠 Why Kamioi Matters Now

• Passive equity accumulation during market turbulence: While markets whipsaw, Kamioi users steadily convert everyday spending into fractional ownership—no timing the market, no panic selling, just consistent progress.

• Riding the fintech wave: As Chime’s public debut shows, consumers demand next-gen financial tools. Kamioi’s AI-powered micro-investing places it squarely in that category—innovating how people build wealth from daily purchases.

• AI-driven resilience: In unpredictable times, sidelined fintechs with strong tech (like ours) offer stability—Kamioi’s AI portfolio balancing and predictive engine proactively helps users adapt.

🔮 A Smarter Financial Path for Users

Instead of outdated cashback, Kamioi empowers users to invest in brands they care about—every latte or grocery run nudges them closer to real equity. In a market swayed by headlines and geopolitical news, our platform fosters long-term ownership and confidence.

You’ve just landed, your connection’s in two hours, and you’re craving Wi-Fi, espresso, and a plush seat. So you swipe your card for that $45 airport lounge pass.

But what if that purchase did more than just recharge you?
What if it helped grow your financial future?

Enter Kamioi. Our AI-powered micro-investing platform automatically turns everyday spending — like lounge access, checked bags, or even inflight snacks — into real stock ownership. In this case? You just bought a share of the airline you’re flying.

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🛫 The New Travel Status Symbol: Ownership

With Kamioi, every time you spend, you invest. So that $45 lounge pass gets you:

• ✈️ Access to comfort

• 📈 $1 invested in the airline’s stock (via Kamioi round-up)

• 🧠 Passive portfolio growth — no action required

Whether it’s Delta, United, JetBlue or American Airlines — we track the transaction, map it to the parent company stock, and invest on your behalf.

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🔍 The Kamioi Advantage

• Works at any airport, with any airline

• You keep flying — we keep investing

• Fully automated via our AI stock-matching engine

• Powered by trusted infrastructure: Plaid + DriveWealth

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📣 Take Off with Kamioi

If you’re a frequent traveler or road warrior, you’re already spending thousands a year on travel. Kamioi helps you turn that lifestyle into long-term wealth — one boarding pass at a time.

Start earning ownership on the brands you already use.
Join the waitlist now and be the first to board the financial future.

With a nod to Perry Solomon for the inspiration at NYC Tech Week

In 1993, legendary investor Peter Lynch published Beating the Street, outlining one of the most iconic principles in investing:

“Invest in what you know.”

Lynch believed that everyday people have an edge. You shop at certain stores. You use specific products. You see what’s trending before Wall Street analysts catch on. And if you know it, trust it, and use it—it might be worth owning.

Fast forward to today. The stock market is powered by AI, trading platforms are in everyone’s pocket, and yet Lynch’s philosophy still rings true. And at Kamioi, we’ve turned that timeless insight into a modern product.

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💳 Everyday Spending, Meet Everyday Investing

Kamioi is a micro-investing platform that turns your daily spending into real stock ownership. We round up $1 from your purchases and use AI to invest it into the companies behind the brands you already buy from.

• Buy Nike shoes → Invest in $NKE

• Sip Starbucks → Get a slice of $SBUX

• Shop Amazon → Own a share of $AMZN

It’s investing in what you know—automated, simplified, and built for today’s consumer.

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🧠 Credit Where It’s Due

At NYC Tech Week, I had the pleasure of meeting Perry Solomon, whose reference to Peter Lynch reminded me how aligned Kamioi is with this principle. That conversation reinforced what we’re building: a tool that democratizes ownership for people who already know the brands they’re supporting.

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🛍️ Why It Works in 2025

Consumers trust brands long before analysts do. If your household uses Apple products every day or your teen won’t stop buying Chipotle, you’ve already done the due diligence—you’re just not monetizing it yet.

With Kamioi:

• Investing becomes personal

• Ownership becomes habitual

• Wealth-building becomes invisible but consistent

We’ve layered AI and real-time transaction mapping on top of Lynch’s original playbook—so now, every coffee run, sneaker drop, or grocery haul is a portfolio decision.

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🚀 Own What You Already Know

Lynch’s brilliance was in recognizing that the average consumer is smarter than they think. Kamioi turns that instinct into impact. You’re already a customer. Why not be an owner?

👉 Join the waitlist at Kamioi.com and start investing in what you know.

Roblox isn’t just a game—it’s a digital economy. With over 70 million daily users and a marketplace generating billions in virtual transactions, Roblox has become a platform where kids create, play, and spend in ways that mimic real-world behavior.

But what if the money spent inside Roblox could lead to real-world investment gains?

That’s where Kamioi comes in—a micro-investing platform that turns everyday spending into fractional stock ownership. It’s not just for coffee runs or shopping sprees—it’s a bridge between digital behavior and financial education for the next generation.

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💸 Roblox: A New-Age Economy for Digital Natives

Roblox lets players buy Roblox (its in-game currency), customize avatars, purchase game passes, and even build businesses within the platform. Some users are spending hundreds of dollars per year. But unlike adult spending that might include Starbucks or Amazon, kids are often “investing” in their digital identity.

This behavior mimics real consumer activity—and it opens the door to a new model of investing.

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🔁 Turning Roblox Spending into Real Stock Ownership

With Kamioi, the future could look like this:

Your child spends $19.00 on Roblox. Kamioi rounds up $1.00 and automatically invests it into stock like $RBLX (Roblox Corporation).

Instead of just spending in the game, kids start owning the very platform they love. They’re no longer just consumers—they’re shareholders.

This type of exposure to investing:

• Builds financial literacy early

• Creates positive reinforcement between spending and saving

• Makes investment fun, relatable, and automatic

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🔮 The Future of Gen Z (and Gen Alpha) Investing

Kamioi’s long-term vision includes:

• Smart parental dashboards where parents track their child’s micro-investments

• Goal-based investing: “Own 1% of Roblox by high school”

• Stock rewards for platform loyalty: Kids could receive bonus shares when they hit milestones inside games like Roblox

These features create a feedback loop where every digital dollar spent teaches value—and builds value.

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👨‍👩‍👧 Financial Education Disguised as Fun

Parents constantly look for ways to teach kids about money, but most financial literacy tools are abstract or dull. Kamioi makes it passive, practical, and personal. By tying their favorite platforms (like Roblox, Fortnite, or Minecraft) to real-world stock rewards, you’re instilling lifelong habits through contextual ownership.

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🧠 It’s Not Just a Game Anymore

In the future, your child might look back and realize that their Roblox purchases helped build an investment portfolio. That’s the power of Kamioi—blending technology, behavioral finance, and AI to shape how the next generation thinks about money.

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👉 Ready to turn gameplay into growth?

Join the waitlist at kamioi.com and start investing in what your family already knows and loves.

NYC Tech Week continues to deliver, and last night was no exception. I had the privilege of attending the invitation-only Fintech HH – Redefining Financial Interactions, hosted by JPMorgan Chase — an exclusive gathering of innovators, founders, and fintech leaders reshaping the future of financial services.

The evening focused on:

• 🔄 Real-time payments and the infrastructure needed for true speed and scale

• 🌍 Cross-border transactions and the power of seamless global movement

• 🔐 Risk management in a rapidly evolving tech stack

• 🤝 Bank-fintech partnerships — what makes them work (and what doesn’t)

These aren’t just hot topics — they’re core to Kamioi’s mission: using AI and micro-investing to make ownership frictionless, automated, and inclusive for everyday consumers.

A highlight of the night was meeting Vishal Kharker, a fellow founder with a bold vision. Conversations like these are a reminder that fintech isn’t just about infrastructure — it’s about collaboration, shared ambition, and bold execution.

As we build Kamioi into the next-generation investing platform, events like this reinforce what’s possible when fintech and traditional finance unite under innovation.

💬 Want to connect on AI in personal finance or how Kamioi turns your everyday spending into ownership? Visit Kamioi.com or DM me — always open to building with like-minded visionaries.

New York Tech Week is here, and we’re thrilled to be part of the conversation shaping the future of AI, finance, and innovation.

Today, Kamioi will be attending several top-tier events across the city to connect with fellow founders, investors, and builders who believe in transforming everyday habits into long-term equity.

Here’s where you can find us:

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🧠 Networking & Panel: IPO Journey in the Era of AI

Explore how artificial intelligence is reshaping go-to-market, investor readiness, and public exits. We’re excited to share ideas and listen in on what’s coming next in tech-driven IPOs.

🍸 Early Stage Happy Hour

Casual, high-energy networking with early-stage operators, founders, and VCs. If you’re passionate about the future of fintech, stop by—we’d love to hear what you’re building (and tell you more about Kamioi).

🛋️ Venture Salon: A Curated Evening for Founders & Investors

An invite-only session of intentional conversations, curated connections, and thoughtful pitch sharing. We’re looking forward to meaningful dialogue with aligned investors and peers.

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Kamioi is on a mission to turn everyday spending into ownership—and events like these are a reminder of how powerful collaboration and community can be in making that mission real.

📍 If you’re at NYC Tech Week today, let’s meet.
Let’s talk AI in personal finance, equity rewards, and building the next-gen investing experience.

🔗 Learn more about Kamioi

NYC Tech Week 2024 is officially here—and the energy is unmatched.

As builders at the intersection of AI, fintech, and personal finance, Kamioi is hitting the ground running to meet fellow founders, innovators, and investors shaping the future of tech.

Here’s where we’ll be this week. If you’re attending too, come say hello 👋

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🎯 Events We’re Attending

🟢 Happy Hour by Wilson Sonsini & NEA
Start the week by connecting with leading legal and venture minds. A great place to talk early-stage growth and fundraising strategies.

🟢 The Pitch Lift – Literally an Elevator Pitch
Yes, we’re pitching Kamioi… in an actual elevator. Fast, focused, and fun—just like our product.

🟢 IPO Journey in the Era of AI (Panel + Networking)
Exploring how AI is reshaping what scale and exit potential look like in today’s market.

🟢 Early Stage Founder Happy Hour
No panels, just real conversations between operators building from zero to one.

🟢 Venture Salon: A Curated Night for Founders & Investors
Curated, invite-only networking for deep relationship building and potential capital conversations.

🟢 Google for Startups AI Happy Hour
Big tech meets early tech. We’ll be there talking AI in personal finance and micro-investing automation.

🟢 Fintech HH – Redefining Financial Interactions
A must for any company rethinking how people interact with money—like we are at Kamioi.

🟢 HealthTech x FinTech x AI
Interdisciplinary collisions are where the best ideas are born. We’re excited to meet people blending verticals.

🟢 Entrepreneurs Roundtable
End the week with thoughtful founder dialogue. We’re looking forward to swapping war stories and lessons learned.

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💡 Why We’re There

Kamioi is an AI-powered micro-investing platform that turns everyday purchases into stock ownership. Whether you’re buying sneakers, gas, or groceries, Kamioi rounds up $1 and invests it into the brands you love—like Nike, Amazon, and Starbucks.

We’re redefining what it means to build wealth passively, and we’re here to connect with anyone building or backing the future of finance.

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🤝 Let’s Connect

If you’re attending NYC Tech Week and passionate about:

• Fintech innovation

• Goal-based investing

• AI in personal finance

• Loyalty-as-equity models

…we’d love to meet you.

📲 Follow us on LinkedIn
📩 DM us to coordinate meetups
📝 Join the waitlist at kamioi.com

Let’s turn conversations into collaborations.

Let’s be honest: cashback feels… flat.

Sure, 1% back on your purchase is better than nothing—but what if you could earn something that actually grows in value?

Welcome to the next evolution of loyalty: equity rewards.

Instead of getting a few cents back, Kamioi users get fractional stock ownership in the brands they already buy from. That’s not a coupon—it’s a stake in a company. And it’s changing the way consumers think about brand loyalty.

It’s time to face the facts: cashback is dead. Here’s why equity rewards are the future of loyalty programs.

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1. 💰 Cashback Ends at the Register. Equity Keeps Growing.

With cashback, the value stops as soon as you swipe. It’s a refund—not an investment.

With equity rewards, your loyalty is returned in the form of stock. That $1 you earned from buying Nike shoes? It could be worth $2, $5, or $10 over time. Real ownership means compounding value, not instant gratification.

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2. 📈 Equity Rewards Create True Brand Loyalty

Think about it—are you more likely to support a brand you own a piece of?

Kamioi users don’t just buy Starbucks—they own it. They’re not just fans of Apple—they’re shareholders. It’s emotional, financial, and long-term loyalty. Cashback can’t compete with that.

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3. 🔄 Cashback Is Passive. Equity Rewards Are Transformative.

Cashback gets spent. Equity builds portfolios.

With Kamioi, every $1 round-up is invested into fractional shares of companies you already shop at. You earn passive wealth over time, automatically. No apps to open. No trades to manage. Just daily purchases turning into daily ownership.

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4. 📊 Companies Win Too

Brands are spending billions on loyalty programs that deliver little retention. Equity rewards flip the model:

• 💡 Customers invest in the brand

• 📉 Churn decreases

• 🚀 Engagement increases

This is a win-win future—and Kamioi is leading it.

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Final Thought: Loyalty Should Build Wealth, Not Just Discounts

It’s time we rethink rewards.

Cashback was built for yesterday’s consumers. Equity rewards are built for the next generation of investors—students, professionals, and everyday shoppers who want more from their money.

Kamioi is more than an app. It’s a loyalty engine that turns spending into stock ownership, one swipe at a time.

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🎯 Skip the cashback. Build your future.

In today’s world, investing is no longer reserved for Wall Street traders or high-net-worth individuals. Thanks to modern fintech apps, everyday users can invest with just a few dollars—and no financial degree required.

Whether you’re buying coffee or shopping online, fintech apps that use AI in personal finance are turning everyday purchases into real portfolio growth. Here’s how they’re changing the investing game—especially for beginners and busy professionals.

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1. 🧠 AI in Personal Finance = Smarter, Simpler Decisions

Modern fintech apps like Kamioi use AI in personal finance to automatically analyze spending and allocate investments. You don’t need to watch markets or predict trends. The app does it for you.

Kamioi’s algorithm links each transaction to a public company (e.g., Starbucks → SBUX) and invests a flat $1. You invest passively, but smartly—with real ownership and less emotional decision-making.

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2. 🎯 Goal-Based Investing Keeps You on Track

Traditional investing can feel aimless. Fintech apps now focus on goal-based investing—helping users define clear targets like:

• Own $500 of Amazon stock

• Build a $5,000 investment cushion

• Own 1% of Nike by 2026

Kamioi lets users set these personalized goals, then uses automation and AI to guide progress, dollar by dollar.

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3. 🔄 Financial Planning AI Adjusts As You Go

Life changes—and your investment plan should too.

Using financial planning AI, fintech platforms like Kamioi automatically adjust round-ups and investment targets based on your real-time spending. You don’t need to update a spreadsheet every time your budget changes. The AI keeps your financial goals on track for you.

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4. 💸 Fractional Investing = Accessibility for Everyone

With fractional investing, you don’t need $1,000 to buy a single share of a major brand. Kamioi lets you invest just $1 at a time, gradually owning pieces of the companies you already support—like Amazon, Target, and Nike.

That means you can start investing without needing to “save up” or wait for market dips.

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5. 📱 Automation Reduces Stress, Builds Consistency

Fintech apps make investing consistent. You don’t have to remember to transfer funds or analyze charts. Apps like Kamioi round up $1 from each purchase and invest it on your behalf.

Over time, that builds a powerful habit—and an even more powerful portfolio.

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Final Thought: Investing Should Fit Into Life—Not Disrupt It

Fintech apps aren’t just about convenience—they’re about empowerment. With tools like Kamioi, AI in personal finance and goal-based investing are accessible to everyone, not just financial experts.

📲 Join the Waitlist. 

Imagine opening your financial app and seeing this:

📈 “You’re 27% closer to owning $500 of Apple stock.”
🎯 “Want to own 1% of Nike by 2026? Let’s adjust your round-ups.”
💡 “Your grocery spending this month bought you $42 in stock.”

This isn’t a financial advisor—it’s AI at work.

At Kamioi, we believe the future of finance is personal, predictive, and passive. And that future is made possible by AI in personal finance.

Here’s how AI is transforming goal-based investing and helping users plan, track, and achieve real financial goals with zero friction.

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🎯 What Is Goal-Based Investing?

Traditional investing focuses on markets and returns. Goal-based investing flips that: it centers the investor.

It’s not about beating the S&P—it’s about:

• Saving for a down payment

• Owning $1,000 of Tesla stock

• Building $5K in passive investments by graduation

Kamioi uses AI to turn those goals into automated actions—without the need for spreadsheets or guesswork.

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🤖 How Kamioi Uses AI for Financial Goal Personalization

Kamioi’s algorithm doesn’t just invest your spare change—it learns from your habits and aligns investments with your financial goals.

Here’s how it works:

1. Smart Spend Detection

Kamioi tracks your transactions and identifies the brand (e.g., Starbucks, Amazon, Nike), linking it to a public company.

2. Goal Matching Engine

You set a target—like “Own $1,000 of Amazon by 2026.” Kamioi uses financial planning AI to determine how often and how much to invest, based on your real-world spending.

3. Dynamic Adjustment

As your habits change, so does your investment strategy. Our AI adjusts your round-ups, targets, and milestones in real time—keeping you on track without needing to lift a finger.

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💼 Why AI Makes Goal-Based Investing Better

• Always On: 24/7 optimization based on your lifestyle

• No Emotion, No Bias: AI avoids panic selling or impulse investing

• Truly Personalized: Every user’s plan adapts to their unique financial profile

Kamioi is proof that AI in personal finance isn’t a buzzword—it’s a solution to make financial literacy and investing truly accessible.

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🚀 Real Impact, One Goal at a Time

Whether you’re trying to build ownership in brands you love or just get started with passive investing, Kamioi helps you move forward—automatically.

You’re not just investing.
You’re owning your goals.