Grants settling · SOC 2 Type II · FINRA member-firm partner · EST. 2024 EDITION №02 / 2026
Stockly
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§00 The stock rewards layer
For consumer apps, fintechs & loyalty platforms

Reward users
with stocks,
not points.

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USER PORTFOLIO · usr_8h2k last 30 days
AAPL Apple Inc. $1.24 ▲ 2.1%
NVDA NVIDIA Corp. $0.87 ▲ 4.3%
TSLA Tesla, Inc. $2.15 ▲ 1.9%
Portfolio value $4.26 ▲ 8.4%
POST api.stockly.com/v1/rewards 201 · 238ms 
// Reward a user with $1.00 of Apple stock.
await stockly.reward({
  userId:    "usr_8h2k",
  asset:     "AAPL",
  amountUsd: 1.00
});

// → 201 Created
{
  "id":     "rwd_01HV7Z9Q3K",
  "status": "settled",
  "asset":  "AAPL",
  "shares": 0.005423,
  "value":  1.00
}
LIVE · Grants settled in the last 60 seconds
14:22:08 AAPL 0.0054 · usr_8h2k ·  14:22:11 NVDA 0.0023 · usr_3kx9 ·  14:22:14 TSLA 0.0091 · usr_p27b ·  14:22:17 SPY 0.0107 · usr_fr1l ·  14:22:19 QQQ 0.0045 · usr_88vx ·  14:22:22 AMZN 0.0033 · usr_dl8e ·  14:22:25 META 0.0067 · usr_hh1p ·  14:22:28 MSFT 0.0078 · usr_92wq ·  14:22:31 GOOG 0.0021 · usr_61bg ·  14:22:34 VOO 0.0044 · usr_5ut7 ·  14:22:37 NFLX 0.0058 · usr_p83a ·  14:22:40 AMD 0.0019 · usr_0nqx · 
§01Why stock rewards

Points expire. Ownership compounds.

Every cohort that swaps a points balance or a $5 gift card for a real slice of Apple sees the same three things: users come back, users engage more, users tell their friends. The asset does the work for you.

01

Better retention

Users return to watch their portfolio grow. A balance that moves with the market gives them a reason to open the app on a Tuesday.

+38%D30 retention lift, median
02

Higher engagement

Rewards appreciate over time, so the value of completing an action keeps rising long after the action itself. Sessions get longer, not shorter.

2.1×median session frequency
03

More referrals

“Earn Apple stock” converts measurably better than “earn points” in every paid-acquisition test we've run with customers. It's a real reward.

+47%invite acceptance rate
§02How it works

From action to ownership in three calls.

Stockly is one REST API and one normalized data model. Your app fires the reward; we open the wallet, allocate the fractional share, settle with our carrying broker, and stream the confirmation back.

01 · YOUR APP User completes action Signup, purchase, streak, level-up, referral — anything you already track.
02 · STOCKLY CORE a · Verify & KYC user b · Open brokerage wallet c · Allocate fractional share d · Settle & stream webhook
03 · USER WALLET Track portfolio Hold & appreciate Cash out (ACH / card) Transfer out (ACAT)
§03Interface

One endpoint. Every equity.

Reward, cash out, and read positions through the same REST surface with idempotency, signed webhooks, and typed SDKs for the languages your team already ships in.

  • Idempotency keys on every write
  • Signed webhook payloads (HMAC-SHA256)
  • Typed SDKs for Node, Python, Go, Swift, Kotlin
  • OpenAPI 3.1 spec & drop-in React components
POST api.stockly.com/v1/rewards 201 · 184ms · idem_01HV7Z9Q 
// Reward a user with $5 of NVIDIA stock.
await stockly.reward({
  userId:    "usr_123",
  asset:     "NVDA",
  amountUsd: 5
});

// Cash out a user's entire balance to ACH.
await stockly.cashout({
  userId:      "usr_123",
  destination: "ach_d9k2"
});

// Read a user's live portfolio.
const portfolio = await stockly.portfolio.get("usr_123");

// → 200 OK
{
  "value":    4.26,
  "change":   "+8.4%",
  "holdings": [
    { "asset": "AAPL", "value": 1.24 },
    { "asset": "NVDA", "value": 0.87 },
    { "asset": "TSLA", "value": 2.15 }
  ]
}
§04Product

Everything you'd otherwise have to build.

Custody, KYC, fractionalization, settlement, tax reporting, and cash-out — bundled behind one API so you can ship a stock-reward feature in days instead of quarters.

01

Fractional stocks

Grant from $0.01 in any US-listed equity. We hold the whole share; your user holds the slice — clean, audited, and SIPC-protected.

02

ETFs & baskets

S&P 500, NASDAQ-100, sector and thematic ETFs, and custom Stockly-managed baskets for themed reward campaigns.

03

Wallet creation

We open and manage a brokerage account per user, with KYC, identity, and document handling done through our partner network.

04

Instant cash out

ACH, debit-card push, or in-app balance — your users choose. Settlement is internalized so cash hits in seconds, not days.

05

Portfolio tracking

Drop-in React, Swift, and Kotlin components, or pull raw price and P&L data and render it inside your own UI.

06

Global payouts

Live in the US today; UK, EU, CA, AU on the roadmap for 2026. One contract, one API, one compliance counterparty.

§05Coverage

If it trades on a US exchange, you can reward with it.

Category Examples Market Assets
US equitiesS&P 500, NASDAQ-100, mid & small cap AAPL, NVDA, TSLA, AMZN, MSFT, META, GOOG NYSE · NASDAQ 4,200+
Broad-market ETFsIndex & total-market funds SPY, VOO, QQQ, IVV, VTI, SCHB, ITOT Exchanges 180+
Sector & thematic ETFsTech, AI, energy, semis, EV SMH, XLK, XLE, ICLN, ARKK, SOXX, DRIV Exchanges 2,640
Income & fixedTreasury, corporate, dividend BND, AGG, TLT, SHY, SCHD, VYM, JEPI Exchanges 240+
InternationalADRs & cross-listed TSM, ASML, BABA, TM, NVO, SHOP Exchanges 620+
Stockly basketsCurated, themed reward bundles AI-Leaders, Mag-7, Dividend-Aristocrats, EV-Pure-Plays Custom 62

New listings added within 24 hours of exchange availability. Browse the full catalog →

§06Built for

The next generation of rewards.

i.

Gaming apps

Swap gem rewards and tournament prize pools for real equity. Players hold something that grows whether they log in or not — and most do log in.

ii.

Cashback & rewards apps

Turn cashback into a portfolio. Users get a position in the brands they actually shop with — Apple cashback in Apple stock, Tesla cashback in TSLA.

iii.

Offerwalls & ad networks

“Earn $5 of Apple stock” converts measurably harder than “earn 500 points.” Plug Stockly in as a payout option without changing your wall.

iv.

Fintechs & loyalty platforms

Drop ownership into your existing rewards stack. White-label portfolios, branded statements, recipient delivery — your brand on the front, our brokerage on the back.

We replaced cash rewards with stock rewards and reward engagement jumped 43% in a single quarter. Users started checking the app on days they didn't earn anything.
Marcus Wells
Head of Growth · Triumph
§07Begin

Turn rewards
into ownership.

Give users something worth coming back for. Sandbox key in 60 seconds. Production after one call with our solutions team.

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