Turn activity into ownership.
investor.tech sits underneath the applications people already use. It reads a transaction, derives a contribution from the account holder's own settings, adds whatever the application has funded, and allocates the result into tokenized share exposure the user holds directly.
A trade, a close, a settlement, a routed swap.
- User actionA trade, a close, a settlement, a routed swap.
- Receipt emittedThe application submits a signed receipt with the notional.
- Future Split derivedThe account's own rate decides the contribution. The app cannot set it.
- Match releasedIf a funded campaign applies, escrow releases the match.
- Batch settledContributions across the network settle every four hours.
- Recipe allocatedStock-token exposure lands in the account contract.
Four ways a transaction becomes a position.
Each mechanism has a different funder and a different trigger. An account can run all four at once.
| Mechanism | Funded from | Trigger | Paid by | Typical range |
|---|---|---|---|---|
Future Split A fixed share of the amount already in motion becomes a contribution. | User principal | Any settled transaction | The user | 0.5% – 2.0% |
Feeback The fee the user already paid is redirected into something the user owns. | Application fee | Fee-bearing activity | The application | 10% – 50% of fee |
Protocol Match The internet-native employer match, pre-funded and capped per user. | Match Escrow | A qualifying contribution | The application | 5% – 30% of contribution |
Win Sweep Only realised profit is eligible. A losing exit never triggers a sweep. | Realised gain | Profitable exit | The user | 5% – 25% of profit |
One account. Every application.
The Investor Account belongs to the wallet, not to the venue. Seven applications funded this account and none of them custody it.
Every balance is held in the account contract the wallet controls. Applications can fund it and read it. They can never withdraw from it.
Future Split turns principal into position.
A fixed percentage of the amount you were already going to move becomes a contribution. The remainder trades exactly as it would have.
Contribution figures only. Market movement is excluded from this view.
What if every fee became something you owned?
Feeback lets an application redirect part of the fee it already charges into an asset the user keeps. The price of the trade does not change. The destination of the fee does.
Current redirects 30% of its routing fee. The user pays what they always paid and leaves with $0.42 of stock-token exposure they did not have before.
Win Sweep pays your future out of your wins.
On a verified profitable exit, a percentage of realised gain is routed into the account before the rest returns to your wallet. Only realised profit is eligible.
Losing trades never trigger a sweep. The rate is set by the account holder and can be switched off.
Target-year recipes, not synthetic index tokens.
A recipe is an allocation instruction. Contributions are split across tokenized share exposure you hold directly, and the weights shift with the horizon you selected.
Short horizon. Weighted toward broad index exposure and settlement currency.
Mid horizon. Index core with a measured single-name sleeve.
Long horizon. Growth index weighting with a concentrated technology sleeve.
QQQ, SPY, NVDA, AAPL and MSFT are held as tokenized forms providing economic exposure to the underlying shares. USDG is the settlement currency of the network.
Who can touch what.
The account contract is owned by the wallet. Every other actor in the network is permissioned down from there.
| Actor | Can | Cannot |
|---|---|---|
| Your wallet |
| No restrictions |
| An application |
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| A settlement operator |
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| Governance |
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Emits a receipt for each settled user action.
Holds advertised rates, funded budgets and receipt validation.
Batches contributions and executes allocation into the recipe.
Owned by the wallet. The only contract that can move holdings out.
What this is not.
Stated plainly, so nobody has to guess.
No tax treatment, employer relationship or legal plan status is claimed. The behaviour is borrowed; the wrapper is not.
A recipe is an allocation instruction. You hold the constituent tokenized positions directly.
Applications fund and read your account. Only the account holder can withdraw.
Returns come from the market exposure you selected, and can be negative.