How Spend Match turns your spending into investing

You create a rule. The rule says: every time I spend money in a certain category, at a certain merchant, or in a certain subcategory, take a percentage (or a fixed dollar amount) and queue it for investment into one of my Nests.

The money accumulates in a bucket. Once the bucket hits a minimum threshold, Coinage invests it. Your spending becomes a passive funding source for your portfolio. You don’t have to think about it. You don’t have to transfer money. You just live your life and your investments grow alongside your spending.

Open the Spending section and tap the Invest tab. Hit Create new rule. First decision: what kind of spending should trigger the rule?

You can match a specific merchant (every Starbucks purchase), a subcategory (every restaurant), or a whole category (all Food and Drink). The broader the match, the more transactions it catches.

Coinage pulls from your transaction history so you can see exactly where your money has been going. Each option shows how many transactions you’ve had and how much you’ve spent. Pick the one you want to match.

Food And Drink is a good place to start. It’s consistent, it’s frequent, and it’s money you’re going to spend regardless.

Two modes. Percentage takes a cut of each purchase. 10% of a $50 dinner means $5 invested. Fixed amount invests the same dollar amount every time, like $2 per purchase regardless of size.

Percentage scales with your spending. Fixed amount keeps it predictable. Pick whichever feels right. You can change it later.

Every dollar your rule captures gets invested into a Nest you choose. Your growth portfolio, your dividend strategy, your Tokyo trip fund. The matched amount flows into the same allocations you already set up. One tap and it’s connected.

One screen shows the whole rule. What you’re matching, how much you’re investing, and where the money goes. Tap Create rule and it’s live. Every future purchase that fits the rule starts building your portfolio automatically.

The Invest tab shows you everything. How much is queued and ready to invest. How much is still in review from recent purchases. How many rules are active. Each rule card shows the bucket filling up toward the investment threshold.

You can pause a rule, delete it, or create more. Stack multiple rules for different categories. 10% of food, $2 per Uber ride, 5% of all shopping. Each one feeds a different Nest. Your spending habits become an investment engine you never have to manage.

Most people don’t invest because it feels like a separate action. You have to open a different app, decide how much, pick what to buy, tap confirm. It’s not hard, but it’s enough friction that it doesn’t happen consistently.

Spend Match removes that friction entirely. You already spend money every day. Now that spending generates investment contributions without any additional effort. The coffee you bought this morning? Part of it is already working in your portfolio.

Small amounts compound. $85 a month from food spending alone is over $1,000 a year. Add a rule for transportation, another for shopping, and you’re looking at meaningful portfolio growth funded entirely by daily life.