Kamioi

At Kamioi, we’re building the future of spending-powered investing—but to do it effectively, we need to understand who we’re building for. Our user base isn’t monolithic; different generations engage with money, brands, and technology in vastly different ways.

To bring this to life, we created a demographic pie chart that breaks down our early adopters—and hints at where we’re headed next.

What the Data Tells Us

1. Gen Z (45%) – The Digital Natives

   • Behavior: Hyper-engaged with brands but distrustful of traditional investing.

   • Kamioi Fit: Turns impulse buys (e.g., $100 sneakers) into long-term ownership.

2. Millennials (35%) – The Coffee-Fueled Investors

   • Behavior: Loyal to brands (Starbucks, Target) but squeezed by student debt.

   • Kamioi Fit: $0.50 round-ups on daily lattes add up to real portfolio growth.

3. Gen X (15%) – The Pragmatists

   • Behavior: Focused on groceries, household spending. Less app-savvy but higher spend.

   • Kamioi Fit: Passive investing via existing Costco or Amazon purchases.

4. Boomers (5%) – The Cautious Adopters

   • Behavior: Prefer stability but are warming to fintech for grandkids.

   • Kamioi Fit: Gift stock rewards to family members.

Why This Matters

• Product Strategy: Gen Z’s dominance (45%) justifies our social-first UX and brand partnerships (e.g., Nike, TikTok).

• Growth Potential: Gen X’s untapped 15% represents a future push into grocery/gas rewards.

• Investor Story: Shows Kamioi isn’t just for one niche—it’s a generational wealth bridge.

The Economic Squeeze: Why People Feel Powerless

In 2024, the economy sends mixed signals:

• Inflation lingers, with groceries +20% since 2020 (BLS).

• Wages stagnate—real earnings grew just 0.2% last quarter (Federal Reserve).

• 72% of Americans live paycheck-to-paycheck (LendingClub).

For Gen Z and millennials, the American Dream—homeownership, stock portfolios, financial security—feels out of reach. But what if your daily coffee run could help you own a piece of the companies you support?

Kamioi’s Solution: Spend Money, Gain Equity

Kamioi flips the script on passive spending by converting routine purchases into real ownership:

1. Round-Up Your Transactions: Link your card, and we round up purchases to the nearest dollar (e.g., $4.50latte\to$0.50 invested).

2. Own Shares in Brands You Love: That $0.50 buys fractional shares in Starbucks, Nike, or Tesla.

3. Grow Wealth Without Thinking: Automatic micro-investments compound over time—no extra income needed.

Example:

• Spend $1,500/month\to$30/month invested → $360/year\ast \ast inequity(avg.8$2,900 in 5 years).

Why This Matters Now

1. Fights Inflation’s Erosion

• Cash loses ~3% annually to inflation. Equity historically grows ~7–10%.

• Kamioi turns depreciating spending into appreciating assets.

2. Democratizes Access to Wealth

• 58% of Americans own zero stocks (Gallup).

• Kamioi requires no minimums—unlike traditional brokerages.

3. Aligns with Gen Z’s Values

• 73% prefer brands that share their social values (Morning Consult).

• Kamioi lets users vote with their wallets—literally.

The Future: Beyond Stocks

We’re expanding Kamioi to:

• Rent-to-Own Real Estate: Allocate round-ups toward a down payment.

• Carbon Offset Stakes: Own shares in green energy projects.

• Creator Economy: Invest in influencers you follow.

At the supermarket checkout, a silver-haired woman smiles as the receipt prints.
Amid the list of produce and pantry staples, one line stands out:

“Kamioi: $1 to Kroger stock.”

She didn’t trade stocks.
She didn’t open a brokerage account.
She just bought groceries—and walked away with a piece of the store.

Investing for Retirement, One Cart at a Time

For years, investing felt intimidating or out of reach for many older adults. Between complex apps, hidden fees, and market jargon, it often felt easier to sit it out.

Kamioi changes that.

By simply linking your debit or credit card, Kamioi automatically turns your everyday spending into fractional stock ownership—without needing to lift a finger.

So every trip to the store…
Every pharmacy purchase…
Every lunch with the grandkids…
Can quietly build your retirement portfolio.

How Kamioi Works for Retirees

• 🛒 Automatic Stock Rewards – Spend like normal, and Kamioi rounds up your purchases to buy stocks in the brands you shop from.

• 💳 No Behavior Change Needed – Just link your card once; Kamioi works in the background.

• 🧾 Transparent Tracking – Real-time receipts and dashboards show your ownership gains.

• 🧺 Perfect for Fixed Budgets – Build long-term wealth without needing extra income or risky investments.

Why Retired Shoppers Love Kamioi

“I never thought I’d be a shareholder in Kroger or Walgreens. But now I am—and all I did was my weekly grocery run.”

Kamioi gives retirees a way to own the brands they rely on every day. It’s smart, seamless, and secure.

No trading.
No stress.
Just groceries → gains.

A Better Way to Build Wealth in Retirement

Whether you’re budgeting on Social Security or just looking to leave a little more behind, Kamioi makes everyday spending work harder for you.

Join thousands of older Americans who are using Kamioi to grow passive income without any financial guesswork.

📲 Start turning groceries into growth.

The ring light glows.
The camera’s rolling.
Boxes stack up behind her—Amazon Prime tape, scissors ready, lip gloss on point.

“Hey guys! Let’s do a little haul…”

But this time, when she slices open the first box, something else falls out:
A Kamioi packing slip.

“Your order bought $1 of AMZN stock.”

Wait, what?

Welcome to Creator Capital

She’s been unboxing Amazon products for months.
Now? She owns a piece of Amazon itself.

Kamioi tracks spending from your linked card—yes, even those late-night Amazon checkouts—and turns each transaction into fractional shares in the brands you buy from.

She didn’t invest in Amazon.
She just shopped. Kamioi did the rest.

0.1% of Amazon (and Counting)

Every haul, every video, every link in bio—it’s easy to forget just how much creators are building empires for other brands.

Kamioi flips the script.

Own 0.1% of Amazon? That’s just the start.
Today’s content isn’t just influence—it’s equity.

“I used to just promote products. Now I own the companies behind them.”
— @LenaCreates, 19, Kamioi user & micro-influencer

Why Creators Love Kamioi

• 💳 Passive stock ownership from everyday purchases

• 📈 Real-time dashboards showing ownership goals

• 🎯 “Own What You Love” tracking: Nike, Sephora, Amazon & more

Being a creator used to mean likes, views, and maybe an affiliate check.
Now? It means portfolio growth, one swipe at a time.

📦 Turn your haul into holdings.
📲 Join the Waitlist!

The cereal box barely makes it onto the conveyor belt before tiny hands grab it again.

A mom smiles, scanning each item with practiced ease—bread, milk, lunchbox snacks. As the total flashes on the checkout screen, a small line appears underneath:

“Kamioi: $1.50 to stocks.”

Just another grocery run—but this time, part of it is going toward college.

Every Cart Counts

For families, the cost of raising kids climbs with every trip to the store. Food, clothes, supplies—it adds up fast.

Kamioi flips the script. With every grocery swipe, a small round-up quietly builds a real investment account—in the brands you already buy.

• $4.79 for Goldfish?
  → A few cents into Campbell’s stock.

• $12.99 for Tide?
  → Now you own a slice of Procter & Gamble.

• $0.73 from today’s trip?
  → Into a diversified ETF labeled “Emma’s College Fund.”

Financial Literacy Starts at the Checkout Line

It’s more than investing—it’s modeling. Kids see their parents turn routine spending into long-term value. Instead of just consuming, they start to understand ownership.

“Kamioi turned our grocery budget into a learning moment. My son asked what it means to ‘own stock.’ That conversation was worth more than the round-up.”
— Sarah D., Kamioi parent since 2025

Back-to-School, Built Different

This school year, families using Kamioi can:

• Track long-term ownership goals (e.g., “Save $1K for college by high school”)

• Set up kids’ custodial accounts through trusted brokerage partners

• Earn bonus stock when shopping from partnered back-to-school brands

🎒 Groceries feed your family. Now they can feed your future.

It’s 9:17 PM. The neon from the gas station canopy hums overhead. A driver slides their card into the pump. The screen flickers—first the total, then something new:

“Kamioi Round-Up: $1 to energy stocks.”

Wait, what?

No apps opened. No trades made. Just a tank of gas—and now, a little piece of ownership.

Welcome to Kamioi at the Pump

We’ve all felt the sting at the gas station. Prices fluctuate, budgets bend, and nothing about filling up feels like winning.

Until now.

Kamioi quietly rounds up your everyday spending—including gas—and turns those spare cents into fractional shares of energy companies. No extra steps. No decisions required. Just passive ownership, triggered by what you were already going to do.

• $0.82 round-up → invested in clean energy ETFs

• $1.00 → into ExxonMobil, Shell, or renewables (you pick)

• Real-time updates in your Kamioi dashboard

Why It Matters

You’re already fueling your car. Now you’re also fueling your future.

Gas might get you from Point A to Point B. But Kamioi? It’s building your wealth in the background—mile by mile.

“I used to just drive. Now I invest—every time I hit the road.”
— Marcus T., Kamioi user since January

Partnering With the Pumps

This year, we’re teaming up with gas stations and fuel brands to offer bonus stock rewards, exclusive round-up multipliers, and energy investment insights.

You drive.
You swipe.
Kamioi builds.

It’s late. A soft orange glow spills from a desk lamp. There’s half a burrito on the nightstand and headphones draped over a MacBook. A freshman leans back in their chair, eyes wide, staring at the screen.

“Wait… I earned $58?”

No part-time job. No Robinhood rabbit hole. Just… buying Starbucks. Nike sweats. The usual Chipotle.

What they’re seeing is their Kamioi app—automatically tracking how their everyday purchases added up to something way more powerful: ownership.

Kamioi isn’t another budgeting tool. It’s not a trading app. It’s the quiet engine running in the background, turning student spending into stock ownership—without changing a single habit.

That $4 latte? Fractional shares in Starbucks.

That Nike hoodie? Welcome to being a shareholder.

That late-night Target run? Yep. Passive equity.

Why This Matters for Students

College is when money feels tight, investing feels confusing, and long-term goals feel distant. Kamioi bridges that gap with something simple and real:

• Auto-invest as you spend

• Own the brands you wear, eat, and live with

• Track your portfolio, not just your expenses

For this student, that $58 wasn’t just a number—it was a moment. An epiphany.

“I’m not just a consumer anymore… I’m an owner.”

Join the Dorm Room Revolution

This back-to-school season, we’re helping thousands of students turn everyday spending into long-term wealth.

Because the sooner you start owning your future, the brighter it gets.

We’ve been conditioned to think of spending as a one-way transaction—you give, they take. But beneath the surface, a quiet revolution is brewing.

What if every coffee run, every grocery trip, every subscription renewal wasn’t just an expense, but a seed? What if the brands you interact with daily could become more than just vendors?

The infrastructure now exists to rewrite the rules of engagement between consumers and corporations. No complex investing. No behavior changes. Just a seamless bridge between participation and ownership.

At Kamioi, we’re not creating another loyalty program or cashback scheme. We’re pioneering a new class of consumer—one who doesn’t just buy, but belongs.

The future isn’t about spending less. It’s about owning more.

A coffee shop owner, a freelance designer, and a small e-commerce store walk into a bar. They all have one thing in common: they spend money constantly with the same vendors but see zero financial upside from that loyalty.

What if that could change?

Morning: Inventory Restock

7:30 AM – The coffee shop owner buys beans from their local roaster ($200).

• Kamioi Action: $1.00investedintheroaster’sstock+$0.15 fee

• Result: Now they’re not just a customer—they’re a stakeholder in the roaster’s growth.

Why it matters: If the roaster’s valuation grows, so does the shop’s tiny stake. Over time, those $1 increments add up.

Afternoon: Business Essentials

1:00 PM – The freelance designer pays for Adobe Creative Cloud ($30/month).

• Kamioi Action: $1.00toAdobestock+$0.15 fee

• Result: After 12 months, they own ~$12 in Adobe—effectively a 4% discount on their subscription.

Why it matters: It turns fixed costs into potential assets.

Evening: Growth Spending

6:00 PM – The e-commerce store runs Facebook ads ($50).

• Kamioi Action: $1.00toMetastock+$0.15 fee

• Result: Now their ad spend also buys fractional ownership in Meta.

Why it matters: If Meta’s stock rises, their marketing becomes self-discounting.

Every day, you vote with your wallet—choosing brands you love, rely on, and even identify with. But what if that loyalty could go both ways?

The Broken Promise of Consumer Rewards

Loyalty programs haven’t evolved since the 1980s. Points. Miles. Cashback. All designed to keep you spending, not to let you own. Meanwhile:

• The average American spends $1,200/month at publicly traded brands

• 72% of Gen Z wants to invest but finds it overwhelming

• Fractional shares let anyone own Apple, Nike, or Starbucks for less than $1

The infrastructure for change exists. The behavior is already there. The only missing piece? A bridge.

Ownership Without the Overhead

Imagine if:

• Your grocery runs earned you slices of Kroger or Whole Foods

• Your streaming subscriptions made you a Netflix shareholder

• Your commute turned you into a partial owner of Uber

No new habits. No financial expertise. Just your normal life—working for you.

Why This Changes Everything

This isn’t about getting richer. It’s about:

1. Alignment: Brands win when you win

2. Access: No gatekeepers or minimums

3. Automation: No tracking portfolios or placing trades

The most powerful wealth-building tools don’t ask you to change. They meet you where you are.