The Silent Wealth Transfer Happening Every Day
Angel never realized she was part of a broken system. Like most of us, she:
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Spent 5dailyatStarbucks(1,825/year)
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Shopped weekly at Target ($3,120/year)
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Bought new Nike gear quarterly ($600/year)
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Used Uber Eats twice weekly ($2,080/year)
Total annual spending: $7,625
All this money flowed to companies, making their shareholders richer while Sarah got… a caffeine buzz and some takeout containers.
The Kamioi Difference: Your Spending, Your Equity
How It Works (With Real Numbers)
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Seamless Setup
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Connected 3 cards in 90 seconds via Plaid
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No new accounts to open (works with existing banks)
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Automatic Investing
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$1 from every purchase goes to the brand’s stock
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$0.15 transaction fee (less than credit card rewards programs)
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Smart Technology
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Patented algorithm identifies parent companies:
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Starbucks at airport → SBUX
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Nike purchase at Dick’s Sporting Goods → NKE
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Uber Eats Chipotle order → CMG
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Sarah’s 12-Month Transformation
| Category | Spend | Transactions | Stock Owned | Fees |
|---|---|---|---|---|
| Coffee (SBUX) | $1,825 | 365 | $365 | $54.75 |
| Retail (TGT) | $3,120 | 52 | $52 | $7.80 |
| Apparel (NKE) | $600 | 12 | $12 | $1.80 |
| Delivery (UBER) | $2,080 | 104 | $104 | $15.60 |
| Totals | $7,625 | 533 | $533 | $79.95 |
Key Results:
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Invested $533 without saving extra money
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Paid just $79.95 in fees (1% of investments)
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Now owns stock in 8 companies she supports daily
Why This Outperforms Traditional Investing
Comparison: Kamioi vs. Robinhood vs. Acorns
| Feature | Kamioi | Robinhood | Acorns |
|---|---|---|---|
| Effort | Zero (automatic) | Active trading | Manual round-ups |
| Ownership | Brands you use | Random stocks | Generic ETFs |
| Fees | $0.15/transaction | $0 trades | 3−5/month |
| Engagement | Daily motivation | Market watching | Set-and-forget |
*Commission-free trades still require capital to invest
The Hidden Benefits
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Behavioral Finance Win
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“I choose Starbucks over Dunkin’ because I own SBUX” – Angel R.
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Family Finance Tool
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Kids learn investing through brands they know
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Compounding Loyalty
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Brands reward shareholders with bonus stock (e.g., spend 200 at Nike → 1 in NKE stock)
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Real User Results (Beyond Angel)
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The Home Chef
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2,400 at Whole Foods → 48 in AMZN stock (WF parent company)
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The Gamer
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87 App Store purchases → $87 in AAPL stock
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Common Questions Answered
Q: What if I buy from private companies?
A: Funds go to a “Brand Index” ETF (S&P 500), your chosen backup stock, funds sent back to you or, leave it with kamioi for a future investment.
Q: How are taxes handled?
A: 1099 forms are provided annually through our broker partner
Q: Can I sell the stock?
A: Yes, through your linked brokerage account (but most users hold and grow).
How to Get Started Today
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Link Any Debit/Credit Card
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Shop Normally While Building Wealth