Investing
EarlyBird is an automated investing service that turns everyday spending into ownership of private-market assets like startups, real estate, and art. The platform rounds up purchases to the nearest dollar, aggregates spare change, and invests it across curated offerings under the supervision of a licensed advisor. It is open to all U.S. investors, not just accredited ones, with no income or net-worth requirements.
- Financial Technology
- Software Only
Funding
Founders
Product
Problem
Traditional investing in private markets—startups, real estate, and art—has been limited to wealthy, accredited investors, leaving everyday consumers with only public-market options or speculative, zero-sum products like sports betting and prediction markets. This gap prevents most people from building long-term wealth through diversified private assets.
Solution
EarlyBird provides an automated investing service that turns everyday purchases into ownership of private-market assets. Users link their existing cards, and the platform rounds up each transaction to the nearest dollar, automatically investing the spare change once it reaches $5. A licensed advisor screens and ranks every offering, and funds are spread across multiple asset classes—startups, real estate, and soon art—to ensure diversification. Users can choose a strategy (conservative, balanced, growth, or custom) and adjust allocations anytime. The upcoming EarlyBird Card will offer up to 4% cashback, invested as equity rather than points or miles.
Target Audience
Primary users are everyday U.S. consumers who want to build long-term wealth through private-market investments but lack the capital or accreditation typically required, as well as younger generations seeking an alternative to speculative financial products.
Features
- Automatic roundups on everyday purchases, with investments triggered once spare change reaches $5
- Recurring weekly transfer option for additional contributions
- Curated private-market offerings across startups, real estate, and art, with a licensed advisor overseeing every investment
- Strategy selection (conservative, balanced, growth, or custom) with the ability to change allocations or pick specific assets
- Up to 4% cashback on the EarlyBird Card, converted into equity investments
- $0 annual fee for early access, with no carry or performance fees
- Open to all U.S. investors, with no accredited investor or income/net-worth requirements