Turn Every Purchase Into Automated Investments

CashBack Invest Global (CBIG) is a platform designed to transform your everyday cashback rewards into collective investments. When you shop at partner merchants, you earn cashback rewards that are automatically pooled with other members and invested in curated opportunities — real estate, local businesses, and diversified assets. You don't need to put in any money out of pocket; your cashback does the work. The platform is built to be accessible to everyone, regardless of income level or financial expertise.

No prior investment experience is required. CBIG is specifically designed to be accessible to everyone — including people who have never invested before. The platform handles all investment decisions automatically through its collective investing engine. You simply shop as you normally would, earn cashback rewards, and the platform manages the rest. Educational resources and transparent reporting are provided so you can learn as you go.

There is no minimum out-of-pocket investment required to join CBIG. Your cashback rewards from everyday purchases are what fund your investment portfolio. The only requirement is that you shop at partner merchants to earn cashback. Even small, regular purchases can accumulate meaningful cashback over time, which is then collectively invested on your behalf.

Getting started is straightforward: (1) Register your email to join the waitlist and be notified at launch. (2) Connect your existing cashback apps or shop directly at CBIG partner merchants. (3) Your cashback rewards are automatically credited to your CBIG account. (4) Once your cashback is pooled with the community, it is collectively invested. You can track your portfolio growth in real time through the CBIG dashboard.

CBIG's initial focus is on African markets, where there is a significant population of over 1 billion potential users with rapidly growing mobile payment adoption. The platform is being designed to expand to all emerging economies globally. During the pilot phase, availability may be limited to select regions. Sign up for the waitlist to be notified when CBIG launches in your area.

The irrevocable cashback feature is CBIG's most significant innovation. Unlike traditional cashback programs where rewards can expire, be revoked due to returns, or be cancelled by the merchant at any time, CBIG's system is designed so that once your cashback reward is credited, it is permanently secured. The technology is intended to use smart contracts and blockchain recording to make it impossible for any party — including CBIG itself — to revoke your earned rewards. This is a forward-looking design goal; the full implementation will be validated at launch.

Partner merchant cashback rates typically range from 1% to 10% of your purchase value, depending on the merchant and product category. Specialty retailers and promotional periods may offer higher rates. The exact rates for each merchant are displayed transparently in the CBIG platform before you shop. As the partner network grows, more merchants and higher rates are expected to become available.

Yes. One of CBIG's key features is multi-app integration, which allows you to connect multiple existing cashback apps and automatically pool all your earnings into your CBIG investment account. This means your rewards from different sources compound together, giving you access to larger collective investment opportunities than any single app could provide on its own.

Cashback rewards are designed to be credited promptly after a qualifying purchase is confirmed. The exact timing depends on the merchant's transaction confirmation process, which typically takes 24–72 hours. Once credited, your cashback enters a 30-day holding period before it becomes eligible for collective investment. This holding period is a safety mechanism that protects the integrity of the investment pool and allows for any purchase reversals to be processed.

If you return a purchase within the standard return window and before your cashback has been invested (i.e., within the 30-day holding period), the corresponding cashback reward will be reversed. Once your cashback has been invested into the collective pool, returns cannot affect it — the investment is already active. This is part of why the 30-day holding period exists: to allow time for returns to be processed before funds are committed to investments.

CBIG's collective investment pool is intended to be allocated across diversified asset classes, which may include real estate, local businesses, equities, bonds, and community ventures. The specific allocations will be determined by CBIG's investment management processes and disclosed transparently on the platform. Allocations may be adjusted over time based on market conditions and community input. Final asset allocation details will be published at launch.

The 8.5% rate used in our calculator is an illustrative figure for demonstration purposes only — it is not a guaranteed, promised, or projected return. Actual returns will depend on market conditions, asset performance, and timing, and may be lower or negative. CBIG does not guarantee any specific rate of return. All investment involves risk, including the possible loss of principal. CBIG is committed to full transparency: all investment performance data will be published on the platform in real time.

The collective investing model pools cashback rewards from thousands of members to create a large, diversified investment fund. This approach allows individual members — even those with very small cashback amounts — to access investment opportunities that would normally require significant capital, such as commercial real estate or business equity stakes. Returns generated by the collective pool are distributed proportionally to each member based on their contribution. The more cashback you earn, the larger your proportional share of the returns.

There is a 30-day holding period on all new cashback before it enters the collective investment pool. There is no specific minimum dollar amount required — even small cashback amounts are pooled collectively with other members' contributions. This is one of the core advantages of the collective model: micro-amounts that would be insignificant individually become meaningful when pooled together.

CBIG employs multiple layers of security: (1) Blockchain recording — every cashback credit and investment transaction is permanently recorded on an immutable blockchain ledger, making tampering impossible. (2) Smart contracts — investment rules and irrevocable cashback guarantees are enforced by code, not by human discretion. (3) Bank-grade encryption — all personal and financial data is encrypted using industry-standard protocols. (4) Transparent auditing — all fund movements are publicly verifiable on the blockchain. Full security architecture details will be published at launch.

CBIG is being developed with regulatory compliance as a priority. During the pilot phase, the platform operates through CBIG's own infrastructure and manages funds within applicable regulations. As the platform scales, CBIG intends to obtain appropriate financial licenses in each jurisdiction it operates. We recommend users consult local financial regulations regarding investment platforms in their region. Full regulatory disclosures will be published on the platform.

CBIG's design incorporates protections against platform failure: because investments are recorded on blockchain and held in collective investment vehicles (not in CBIG's operating accounts), the underlying assets would continue to exist even if the platform ceased operations. A wind-down plan is part of the platform's governance framework. Full details of the wind-down procedures will be published at launch.

The irrevocable cashback feature is specifically designed to prevent any party — including CBIG — from revoking your earned rewards once they are credited. Smart contracts enforce this guarantee at the protocol level. CBIG's role is as a platform facilitator, not a custodian with discretionary access to your funds. That said, during the pilot phase, some aspects of this guarantee are still being technically implemented and validated. Full details of the smart contract architecture will be published at launch.

CBIG is being built as a mobile-first platform, designed specifically for users in emerging markets who primarily access the internet via smartphones. A dedicated mobile app is planned for launch. In the interim, the platform is accessible via mobile browser. Sign up for the waitlist to be notified when the mobile app is available in your region.

Withdrawal options are being finalized for the platform launch. The general framework is: (1) Cashback in the 30-day holding period can be withdrawn before investment. (2) Invested funds generate returns that accumulate in your account. (3) Returns can be withdrawn to your linked payment method or reinvested for compounding growth. Specific withdrawal timelines and methods will be published at launch.

CBIG's fee structure is being finalized and will be published transparently before launch. The platform's revenue model is designed around a small percentage of investment returns generated by the collective pool — not upfront fees charged to users. This aligns CBIG's incentives with members: the platform only earns when members earn. There are no planned fees for earning cashback rewards or for joining the platform. Full fee disclosures will be available in the platform's terms of service.