The First Rewards Investment Platform

Turn Everyday
Rewards Into
Long-Term Wealth

PointsVest transforms loyalty points, cashback, and idle cash into real investments — effortlessly, automatically, and at scale.

EARN → INVEST → GROW

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38%
of Americans have no
stock market exposure
$10B+
in rewards points go
unredeemed annually
71%
5-year return of the
total U.S. stock market
PointsVest Rewards +$212.48 this month
Portfolio Balance: $2,842.16
18,450 pts converted · Auto-invest: On
RoundVest Activity Active
$47.20 invested this week
Round-ups from 23 purchases · Vanguard Total Market ETF
FloatVest Optimizer 8.12% ann. return
$1,200 idle cash working for you
Above your $500 threshold · High-yield + Index blend

Rewards should compound, not disappear. We believe the future of financial services will prioritize simplicity over complexity, long-term investing over short-term speculation, and asset-building over transactional rewards.

PointsVest is building the investing layer for the modern rewards economy — responsibly, transparently, and at scale.

Simple by Design

From Points to Portfolio
in Three Steps

No complicated decisions. No large deposits required. PointsVest integrates invisibly into your existing financial life.

Earn

Keep earning rewards, cashback, and round-ups through your existing cards and accounts — no switching required.

Invest

We convert that value and invest it into diversified portfolios — automatically, with no active management needed.

Grow

Your balance compounds over time. Track your portfolio, redeem as cash, or reinvest — your money, your terms.

Five Products. One Platform.

Built for Every Way
You Generate Value

Whether you earn points, make purchases, or hold idle cash — PointsVest has a product designed to put that value to work.

01
PointsVest
Investing the Rewards

Turn loyalty points, cashback, and issuer rewards into real investments automatically.

"Earned every day. Invested for your future."

02
RoundVest
Investing the Round-Ups

We round up every purchase to the nearest dollar and invest the spare change.

"Small change. Big impact over time."

03
VolVest
Voluntary Investments

Invest any amount, anytime. Designed for small, flexible contributions that add up.

"You're in control. We make it simple."

04
FloatVest
Investing Idle Cash

We invest idle cash above your target balance automatically. You decide when to transfer it back.

"Idle today. Growth tomorrow."

05
FloatVest Business
Investing Business Float

Automatically invest operating cash above your set threshold to grow your business.

"Optimize cash flow. Grow your business."

One Issuer Infrastructure

Built once. Powers all five products seamlessly.

Unified Onboarding & KYC

One experience across all products.

Micro-Investing Engine

Smart automation with real-time processing.

Bank-Grade Security

Regulated, transparent, and always protected.

71%
of consumers interested in at least one PointsVest concept
77%
prefer to invest at least some of their rewards rather than spend them
87%
see real value in small, consistent contributions adding up over time
39%
choose round-ups as the most appealing investment concept
83%
use credit cards as their primary payment method — every swipe is an opportunity
Source: PointsVest Customer Survey — June 2026  |  n=600 U.S. Consumers

One Platform. Four Stakeholders.

Built for Every Participant in the
Rewards & Financial Ecosystem

PointsVest creates real, measurable value for consumers, issuers, loyalty ecosystems, and small businesses simultaneously.

For Consumers

More control. More growth. Better financial future.

Turn unused rewards into long-term wealth with choice and control over how every dollar grows — no financial expertise required.

  • Passive, automatic investing from everyday activity
  • Diversified portfolios with index funds
  • Full flexibility to redeem or reinvest
  • Transparent tracking of every dollar

For Issuers

Stronger engagement. Healthier members. Lower liability.

Reduce points liability, drive deeper member engagement, and evolve your loyalty platform into a financial wellness ecosystem.

  • Reduce outstanding points liability on balance sheet
  • Drive higher card spend and retention
  • Offer differentiated, high-value member benefits
  • Build a financial wellness brand story

For Loyalty Ecosystems

Transform loyalty balances from stored value into growing value.

Enable airlines, hotels, travel programs, and other rewards ecosystems to help members derive more long-term value from loyalty balances through simple, transparent investment experiences.

  • Differentiate loyalty programs through wealth-building experiences
  • Increase long-term member engagement and retention
  • Reduce pressure on immediate reward redemption
  • Create deeper emotional connection with loyalty balances
  • Extend the value proposition of points beyond traditional rewards

For Small Businesses

Optimize idle cash. Improve working capital efficiency.

Enable your business to automatically invest excess operating cash and idle balances through simple, transparent, low-friction financial workflows.

  • Improve yield on idle operating cash
  • Automate excess cash investing through sweep-based experiences
  • Enhance treasury efficiency without operational complexity
  • Access wealth-building tools designed for small business owners

The Behavioral Moat

We Don't Just Move Points.
We Build Lifelong Investing Habits.

Technology can be copied. Infrastructure can be built. But changing financial behavior is hard — and that's exactly what PointsVest does. We leverage the psychology of rewards to make investing feel natural, rewarding, and automatic.

1 Spend 2 Earn Rewards 3 Convert & Invest 4 Auto-Invest 5 Watch Growth 6 Achieve Goals 7 Identity Shift
STEP 1
Spend
Live life. Earn rewards naturally.
ADVANTAGE 1
Habit is Hard to Dislodge

Once users auto-invest rewards, they rarely stop.

ADVANTAGE 2
Continuous Flywheel

Rewards earned continuously create repeat engagement.

ADVANTAGE 3
Behavioral Data Edge

We learn and personalize based on real spending behavior.

ADVANTAGE 4
Emotional Resonance

Positive feelings around money — not fear or friction.

Four Forces. One Opportunity.

Why PointsVest.
Why Now.

Consumers want more ways to put rewards to work. Issuers need compelling ways to evolve their programs. The technology to connect rewards and investing has matured. PointsVest's opportunity is to bring these forces together through infrastructure designed to work across issuers.

Force One · Consumer Demand

The interest is already there

In our June 2026 survey of 600 U.S. consumers, 77% said they would rather invest at least some of their rewards than spend them, and 87% saw value in small, consistent contributions adding up over time.

77%Prefer investing at least some rewards
87%See value in small, recurring contributions

Source: PointsVest Customer Survey, June 2026, n=600 U.S. consumers. These are stated preferences, not measured adoption or investment outcomes.

Force Two · Issuer Economics

A new reason to engage with rewards

Rewards programs must balance member value with the economics of outstanding rewards obligations. Investment redemption offers issuers another way to differentiate their programs and connect rewards with members' long-term goals.

Conversion can settle a rewards obligation, but it also changes cash-flow timing and may reduce float and breakage. The business case must weigh those costs against potential engagement, retention and incremental spend — benefits to validate with each issuer, rather than assume.

Member valueProgram economics
Force Three · Infrastructure Maturity

The rails have matured

Fractional shares, digital identity verification, brokerage APIs and payment infrastructure provide building blocks for connecting small rewards balances with investment accounts. These capabilities have existed for years; the opportunity is to integrate them into a practical experience for issuers and members.

The work now is orchestration: connecting redemption, account opening and funding while meeting partner, compliance and operating requirements.

  • Fractional shares
  • Digital identity
  • Brokerage APIs
  • Payment infrastructure
Force Four · Market Whitespace

A validated idea. A fragmented market.

Rewards investing already exists in isolated or closed ecosystems, including arrangements that connect cashback with a brokerage account. The concept is established; the experience remains tied to particular programs and providers.

PointsVest's opportunity is an issuer-neutral infrastructure layer designed to connect multiple rewards programs, loyalty currencies and eligible account types. That is the whitespace we aim to serve.

Illustrative platform design; availability depends on issuer and account-provider integrations.

The Opportunity Now

The market is validated.
The issuer-neutral layer remains open.

Consumer interest and existing rewards-investing offerings validate the direction. We see an open opportunity to connect that demand across issuers — turning separate redemption options into a repeatable path from everyday rewards to long-term ownership.

Explore an issuer partnershipGet early access

Our Purpose

Built Around Long-Term Financial Wellness

PointsVest is designed to help consumers and small businesses participate more easily in long-term investing through simple, transparent, and automated financial experiences.

Expanding Access to Investing

We remove the barriers that have historically kept everyday Americans from participating in wealth-building markets — no minimums, no complexity, no prior experience required.

Encouraging Long-Term Savings Behavior

By automating investing through everyday spending and rewards, PointsVest builds consistent financial habits that compound over time — naturally and effortlessly.

Improving Financial Participation

Our platform aligns with a growing national focus on inclusive wealth creation — helping more Americans move from passive reward earners to active long-term investors.

Building Financial Resilience

By transforming everyday financial activity into opportunities for ownership and compounding, PointsVest supports a more accessible and resilient financial future for all.

Ready to Make Your
Rewards Work Harder?

Join thousands of forward-thinking consumers, issuers, and small businesses already transforming everyday financial activity into long-term wealth.

Get Early Access Partner With Us