Pre-launch · Built on Solana
Spend anywhere,
earn their stock.
Every purchase pays you back in real shares of the company you paid.
Starts with receipt emails. The Ownable card is coming soon.
- OwnablenowYou own 0.0004 SBUXStarbucks · vests in 30 days
You pay them every day. You own none of them.
This year you paid Starbucks $0, Netflix $0 and Uber $0. How much of them do you own?
- Paid
- $0.00
- 0 receipts
- Owned
- $0.00
- in their stock
Example year
How it works
From receipt to shareholder.
No points, no token. One receipt, followed all the way to a real share.
01
Spend as usual.
Pay with any card, then forward the receipt email. Next, the Ownable card makes every tap count on its own.
Inbox
NNetflixOct 3Your receipt · $12.50info@account.netflix.comOwnable card: every tap, no email neededSoon02
Prove it.
The receipt is checked against the merchant's own DKIM signature, so a fake fails. Each receipt counts once.
Signature check
- d=netflix.comValid
- receipt-ai-generated.pngNo signature
- same receipt, againAlready used
03
Match it.
The merchant is mapped to its listed company, NETFLIX.COM to NFLX.
Merchant → stock
- NETFLIX.COM→ NFLXNetflix
- UBER.COM→ UBERUber
- APPLE.COM→ AAPLApple
04
Own it.
A fraction of a real tokenized share (xStocks) moves from an on-chain vault into a pending position in your name.
On-chain vault
xStocks · NFLX
Your position
0.0011 NFLX
StatusPending on Solana05
Vest it.
After the refund window, the share moves to your own wallet. If you return the item, it goes back to the vault.
0.0011 NFLX
Day 12 of 30 · unlocks Nov 2
- Kept itMoves to your wallet
- Refunded itGoes back to the vault
Security
Photos can be faked. Signatures can't.
Every share starts with proof that the purchase was real: the merchant's own cryptographic signature on your receipt. There is nothing to fake and nothing to count twice.
Photo receipts
Proof
A photo. AI can generate one in seconds.
Reuse
The same receipt can be sent again.
Reward
Points or a token.
Custody
Held inside the app.
Ownable
Proof
The merchant's own DKIM signature. A fake fails.
Reuse
Each receipt counts once, enforced on-chain.
Reward
A fraction of a real share. No token, ever.
Custody
Shares vest into your own Solana wallet.
- 1.2M
- wallets hold tokenized stocks on Solana, up from about 425K a month earlier.
- Token Terminal · Oct 1, 2026
- 800+
- real stocks and ETFs are live on Solana through xStocks.
- xStocks · Sep 2026
- 8,500
- receipts sent to Crumbs, a photo-receipt rewards app, in its first morning.
- Foreign Policy Journal · Sep 12, 2026
Rewards
Where your shares come from.
Rewards are funded by money from outside: yield on your balance, shopping commissions and card fees. Never by the merchant, and never by other users.
- Yield
Your USDC balance earns interest in on-chain lending.
- Shopping commissions
Retailers pay a referral fee when you shop through Ownable.
- Card feesWith the card
The card network pays a fee on every Ownable card tap.
- 52%UBERUber
- 37%SBUXStarbucks
- 11%NFLXNetflix
Split shown for the example year
Trading a memecoin
- You
- +$100
- Someone else
- −$100
- Together
- $0
Your profit is someone else's loss.
Ownable
- You
- +0.0004 SBUX
- Someone else
- +0.0011 NFLX
- Together
- both own more
Everyone ends up owning a piece of a real company.
Nobody is exit liquidity.
Our mission
Solana made everything tradable.We make it ownable.
Imagine a billion customers who are also owners. Companies would answer to the people who pay them.
Get your first share.
Join the waitlist. We'll email you when Ownable opens in your country.