A behavioural growth engine for modern merchants.
SpenVest replaces discount-led loyalty with a behaviour-first system — improving repeat frequency, reducing churn, and making retention performance measurable and compounding long-term value, while enabling everyday spending with long-term financial wellbeing for customers.
No hype, no complexity — merchants keep control, customers opt-in, and everything stays fast, clean, and compliant.
Vision
Merchant growth + wellbeing
Build a timeless, behaviour-first standard for commerce — where customers return because the experience feels earned, and merchants grow with measurable confidence.
Retention built on behaviour
not discounts
Premium experience
respects attention and trust
Wellbeing pathways
via partners
What you get
SaaS-grade clarity
Behaviour-led retention flows
Cross-merchant premium experience
Optional SVC investing via partner broker
Churn-focused analytics & ROI
Built with an automation-first architecture and a partner model designed for secure onboarding and compliant journeys.
What SpenVest does
A single behavioural system that turns everyday transactions into retention, growth, and measurable ROI — without forcing merchants into one-size-fits-all promos.
Behaviour-led retention, clean UX
Threshold versions, gift cards, and offer structures that feel premium — on mobile and in-store.
SVC automation layer
Turn earned value into an optional savings/investment flow via partner-broker onboarding — customers stay in control.
Growth with accountability
Analytics designed around frequency, returning customers, and profit-aware value — not vanity dashboards.
How it works
A simple customer journey with an enterprise-grade backend: behavioural signals → SVC pool → opt-in investing.
Connect & configure
Merchants onboard, select their POS, and complete OAuth so SpenVest can ingest transaction webhooks for SVC calculation.
Capture behaviour automatically
Customers generate SVC through thresholds, gift cards, hot items, or special offers — tracked in one clean wallet.
Opt-in investing
Customers toggle investing, complete KYC on the partner broker page, then return to SpenVest with a linked dashboard.
Auto-invest by threshold
When the customer's SVC pool reaches the chosen value (e.g., $50), SpenVest transfers funds to buy the selected (or default) ETF.
Outcomes that matter
Designed to deliver measurable retention — and a premium experience customers actually use.
- Increase repeat visits with versioned thresholds
- Offer frameworks that reconcile cleanly at settlement
- Cross-merchant value without eroding your brand
- ROI visibility tied to retention, not vanity metrics
- Earn value across participating merchants
- A single wallet for thresholds and gift cards
- Opt-in investing — set once, automated thereafter
- A clean, premium mobile-first experience
Core behavioural engine + SVC automation operational
POS selection + OAuth-first intake
Threshold versions, gift cards, and configurable offers
Partner-broker KYC path supported
Customers opt-in once, complete KYC with a partner broker, then SpenVest auto-invests from SVC pools at the chosen threshold.
Structured offer types for item-based discounts and rule-based SVC bonuses, designed to reconcile at settlement.
Product updates positioned as modern SaaS momentum—clear, scannable, and conversion-friendly.
Contact
Want to pilot SpenVest with your venue or partner network? We'll share a short walkthrough and a clean onboarding plan.
SpenVest Universe
SpenVest is the star — merchants orbit as high-value partners in a single premium spend network.
Ready to drive retention and growth?
Launch with a clean customer wallet, modern offer structures, and an opt-in investing layer — all under a conversion-driven behavioural system.