StarbucksSBUXYour round-up+$0.82
Purchase$4.18
Rounded to$5.00
Invest every time
you spend.
Beaver helps you invest in small steps. Own while you spend.
No time to invest? Don’t know where to start? Not enough this month?
Early access for iPhone · By invitation
Example portfolio$821.67
Beaver rounds up your everyday spending and invests the difference into stocks.
A closer look at Beaver
Spend → Own
How it works
- Pay as usual
You pay with the same card you use every day.
- Set an amount
Round to the next dollar or choose a percentage.
- Round up
Pick one stock, or the brand you spend from.
- Grow
Keep track of your portfolio growing.
See where your money goes
Tap a brand to check how roundups work.
Choose how much to invest
Choose where it goes
You can review your rules in the app.
Small amounts, explained
$0.82
From a $4.18 purchase
The difference when you round up to the next dollar.
$360
From $30 each month
A year of contributions, before fees and market changes.
$0
Monthly subscription
Investments cost 1%. Deposit, sale, and withdrawal fees also apply.
Ask ChatGPT
Ask ClaudeNo monthly bill
Pay 1% when you invest. There’s no fixed subscription to cover each month.
Your amount
Choose spare change, a percentage, or an amount that matches your spending.
Your destination
Send round-ups to one investment, supported brands, or your spending categories.
| Compare |  Beaver |  Acorns |  Stash |  Qapital |  Grifin |
|---|---|---|---|---|---|
| Monthly fee | $0 monthly | $4–12 / month | $12 / month | $3–12 / month | Paid membership; plan varies |
| How it works | Nearest dollar, percentage, or spending match | Round-ups into managed portfolios | Stock-Back rewards on its debit card | Saving rules; investing from $8 / month | An amount per purchase, invested weekly |
| Where it goes | One investment, by brand, or by category | Managed portfolios; custom stocks on Gold | Stocks, funds, and managed portfolios | Ready-made investment portfolios | Brand-linked investing with adjustable settings |
| Card or account | Use your linked card | Link a card; Acorns card for real-time round-ups | Stash debit card for Stock-Back rewards | Linked bank account; Qapital card available | Use your linked cards |
| What you hold | Tokenized securities in your wallet | Brokerage and retirement accounts | Brokerage, retirement, and children’s accounts | Savings and investment accounts | Brokerage account |
Sources and pricing details
Beaver charges 1% per investment, 2.5% on sales, and 0.10% on withdrawals. Stablecoin deposits are free; other deposits cost 0.10%. Early access is invite-only. Round-ups use your money; card rewards are a different product.
Checked September 23, 2026. Standard monthly plans shown; promotions and annual plans may differ. Subscription prices cover different services and are not total investment costs.
Grifin’s published fees vary by plan. Tokenized securities have different rights and risks from conventional brokerage holdings.
Know what you hold
Beaver helps you collect fractions of real companies, issued by licensed providers.
You keep them in your own wallet. You’re in control.
About tokenized stocksA few common questions
What does Beaver cost?
There is no monthly subscription. Investments cost 1%, sales 2.5%, and withdrawals 0.10%. Stablecoin deposits are free; other deposits cost 0.10%.
Can I choose my investments?
Yes. Send round-ups to one supported stock, match a supported brand, or set a stock for each spending category.
What am I buying?
Beaver uses tokenized securities held in your wallet. Your rights, access, and ability to redeem depend on the issuer and product terms. These can differ from shares held in a brokerage account.
Are round-ups rewards?
No. Round-ups use your own money to make investments alongside your purchases. Investment values can go down as well as up.
How do I try Beaver?
Request an invitation with your email. Early access is available by invitation through TestFlight on iPhone.
Try Beaver early
Leave your email to request a TestFlight invitation.
Follow along
Product updates and notes from the team.
Beaver on X