Every time you shop, you earn cashback. For 30–90 days, that money sits idle — while Rakuten, Honey, and your bank quietly invest it for themselves. Eydil stops the leak the second you click buy.
of Americans fear running out
of money more than death
what Americans say they need
to retire — up 15% this year
in cashback rewards paid out
annually in the U.S. alone
The problem
The cashback industry has a dirty secret called "the float." Here's how it works — and why it's been costing you for years.
Rakuten, Honey, and your credit card company hold your cashback in "pending" status for 30 to 90 days. They call it "fraud protection." It isn't.
While your money sits idle, they invest it. At scale, that's $1.2 billion in interest earned annually on balances that legally belong to their users. Not them. You.
Eydil captures your cashback the moment you earn it and moves it into your own SIPC-protected brokerage account. Zero delay. Zero idle money. Zero behavior change required.
How it works
Four steps. One of them is shopping like you already do.
Connect any debit card through Eydil's bank partner. No credit check. Takes 60 seconds. Works with cards you already carry.
Gas, groceries, Amazon, restaurants — every qualifying purchase earns cashback. No new apps to open. No browser extension required.
Your cashback flows directly into a personal SIPC-protected brokerage account and starts earning yield. No portals. No thresholds. No waiting.
Year after year, your found money compounds quietly in the background. Nothing to manage. Nothing to remember. A retirement fund — by accident.
The math
Most people think of cashback as a small perk. Here's what it becomes when it stops sitting idle.
Your Eydil portfolio after 25 years
at 8% avg market return
Hypothetical, for illustrative purposes only. Not financial advice. Past performance does not guarantee future results.
Why Eydil
Join the waitlist. Nothing changes about how you shop.
Everything changes about what your spending builds.
Your spot in line