01step 1 of 8
Your filter does the sending
You write one mail rule that forwards subscription receipts to your GetOwed address. Nothing else reaches us, and deleting the rule ends it.
- from
- receipts@spotify.com
- to
- collect-7f21a4c80b93@getowed.top
Your bills
owe you stock.
Forward a receipt for something you already pay for. GetOwed sends back a fraction of the company charging you.
- merchants mapped
- 83
- tickers paying
- 22
- back at the top rung
- 75%
ChatGPTpaysNVDA/NetflixpaysNFLX/CloudflarepaysQQQ/AWSpaysMSFT/SteampaysTTWO/Adobe Creative CloudpaysADBE/WhooppaysLULU/CalmpaysHIMS/Discord NitropaysMETA/Coinbase OnepaysCOIN/Uber OnepaysUBER/ClaudepaysNVDA/SpotifypaysSPOT/VercelpaysQQQ/Microsoft AzurepaysMSFT/PlayStation PluspaysTTWO/FigmapaysADBE/StravapaysLULU/HeadspacepaysHIMS/X PremiumpaysMETA/Robinhood GoldpaysHOOD/StarlinkpaysSPCX/CursorpaysNVDA/Disney+paysDIS/HetznerpaysQQQ/Google CloudpaysGOOGL/Nintendo Switch OnlinepaysTTWO/CanvapaysADBE/PelotonpaysLULU/NoompaysHIMS/Meta VerifiedpaysMETA/ChatGPTpaysNVDA/NetflixpaysNFLX/CloudflarepaysQQQ/AWSpaysMSFT/SteampaysTTWO/Adobe Creative CloudpaysADBE/WhooppaysLULU/CalmpaysHIMS/Discord NitropaysMETA/Coinbase OnepaysCOIN/Uber OnepaysUBER/ClaudepaysNVDA/SpotifypaysSPOT/VercelpaysQQQ/Microsoft AzurepaysMSFT/PlayStation PluspaysTTWO/FigmapaysADBE/StravapaysLULU/HeadspacepaysHIMS/X PremiumpaysMETA/Robinhood GoldpaysHOOD/StarlinkpaysSPCX/CursorpaysNVDA/Disney+paysDIS/HetznerpaysQQQ/Google CloudpaysGOOGL/Nintendo Switch OnlinepaysTTWO/CanvapaysADBE/PelotonpaysLULU/NoompaysHIMS/Meta VerifiedpaysMETA/
Eight steps from a renewal to a share you hold
Follow one $24.99 Spotify receipt. On a wide screen the tape runs sideways as you scroll; on a narrow one it stacks.
02step 2 of 8
Three fields, nothing else
GetOwed reads the merchant, the charge and the date. The rest of the mail goes unread, and mail you never forwarded is never seen.
- merchant
- Spotify
- amount
- $24.99 USD
- dated
- Sep 4, 2026
03step 3 of 8
The signature does the trusting
Spotify signed that mail on the way out. GetOwed checks the signature, checks the signing domain against the merchant, and drops anything edited after it was sent.
- dkim
- pass, rsa-sha256
- signed by
- spotify.com
04step 4 of 8
A brand becomes a ticker
Spotify trades, so it pays in SPOT. A merchant that stays private pays the listed proxy for its sector, which is how a Cursor receipt comes back as NVDA.
- sector
- Watching and listening
- pays in
- SPOT
05step 5 of 8
The treasury buys it, you do not
Your charge stays $24.99. The reward comes out of the GetOwed treasury, which buys the stock and moves it into the vault.
- rate
- 14% at Open
- owed back
- $3.50
06step 6 of 8
Priced at the second you earned it
The reward divides by the market price at that moment, so you hold a fraction of a share instead of a promise to buy one later.
- SPOT price
- $509.45
- shares
- 0.006870
07step 7 of 8
Reserved against a vault you can read
The fraction is reserved against the vault on Robinhood Chain. No owner path leads out of it, so the balance it holds is the balance it owes.
- voucher
- EIP-712, single use
- deadline
- 14 days
08step 8 of 8
You sign the claim
Your wallet submits the voucher and the vault sends the stock. GetOwed never holds your key and cannot pull the position back.
- position
- 0.006870 SPOT
- cost to you
- $0.00
A forged receipt pays nothing
GetOwed never decides whether a receipt looks right. The merchant signed the mail, and that signature either verifies or it does not.
Signature and alignment
DKIM has to verify, and the signing domain has to belong to the merchant it names.
Uniqueness
Rewards dedupe on the Message-ID, with a body hash covering mail that carries none.
Ownership
The receipt has to name your own address as a recipient.
Freshness
Anything older than 45 days is rejected at the door.
Every bill has a ticker. Some pay in their own.
A merchant that trades publicly pays in its own stock. One that stays private pays the listed proxy for its sector, so no covered receipt comes back empty. 83 merchants sorted into 22 tickers today.
AI tools
NVDANVIDIAChatGPTClaudeCursorPerplexityMidjourneyElevenLabsRunwaySunoReplicateHugging FaceGeForce NowNVDA
Watching and listening
GOOGLAlphabetNetflixNFLXSpotifySPOTDisney+DISHuluYouTube PremiumGOOGLMaxParamount+CrunchyrollApple MusicAAPLApple TV+AAPLApple OneAAPLAmazon PrimeAMZNAudibleTwitchThe New York TimesSubstack
Independent infra
QQQInvesco QQQCloudflareVercelHetznerDigitalOceanVultrFly.ioRailwayRenderNetlifySupabaseNeon1PasswordNordVPNZoom
Enterprise cloud
MSFTMicrosoftAWSMicrosoft AzureMSFTGoogle CloudGOOGLGitHubMSFTGitHub CopilotMSFTMicrosoft 365MSFTXbox Game PassMSFTLinkedIn PremiumMSFTGoogle OneGOOGLGoogle WorkspaceGOOGLGeminiGOOGL
Gaming
TTWOTake-TwoSteamPlayStation PlusNintendo Switch OnlineEpic GamesEA PlayEARoblox PremiumRBLX
Creative software
ADBEAdobeAdobe Creative CloudADBEFigmaCanvaFramerMiroNotionSlackCRM
Fitness
LULULululemonWhoopStravaPelotonOuraClassPass
Health
HIMSHims & HersCalmHeadspaceNoom
Social
METAMetaDiscord NitroX PremiumMeta VerifiedMETAPatreonTinder
Getting around
UBERUberUber OneUBERAirbnbABNBStarlinkSPCX
See the full parts list
Names in white trade under their own ticker. Prices refresh every minute and are shown for reference, not as an offer.
Set it up once, then forget it
Five minutes in your mail settings. Delete the filter later and the flow stops, with no account access to claw back.
You will need
- A mailboxAnywhere your receipts already arrive
- Any EVM walletFor the claim, and nothing else
- Five minutesOnce, then never again
No mailbox login
- 1
Open forwarding in your mail settings
In Gmail: Settings, then Forwarding and POP/IMAP, then Add a forwarding address. Google keeps this step out of its API, so you do it by hand once.
Settings / Forwarding and POP/IMAP / Add a forwarding addressOutlook and Fastmail put the same control under Rules.
- 2
Paste your GetOwed address and confirm
Leave forwarding switched off when Gmail offers. It mails a code to the address, GetOwed shows you the code, you paste it back. Nothing else arrives at this point.
collect-you@getowed.topAn example. Yours carries an id nobody can guess.
- 3
Write one filter and walk away
Match the sender and the subject together. Pairing from: with subject: keeps two-factor codes, password resets and login alerts out of the filter.
from:(spotify.com OR openai.com) subject:(receipt OR invoice)Add every sender you want covered, separated by OR.
No receipt from the merchant? Your bank sends one.
Some merchants hide the invoice behind a login, and a page behind a login carries no signature. Forward the transaction alert from your bank instead. It names the merchant, the bank signs it, and it verifies the same way. You never connect a card.
Same routine. A bigger set.
Everyone earns 14% holding nothing. Holding $OWED raises the rate and the ceiling on what one month can pay, measured as a share of supply so the token price never moves you a rung.
Open
14%No token held. Every wallet starts here.
no token needed$30 a month
Filed
23%The first rung. It roughly doubles an ordinary month.
hold 0.05% of supply$70 a month
Stamped
33%Covers a household that pays for everything.
hold 0.15% of supply$170 a month
Certified
45%Sized for a stack of tools, not just a TV.
hold 0.35% of supply$420 a month
Bonded
60%Most of the bill comes back as stock.
hold 0.7% of supply$1,000 a month
Settled
75%The top rung. Held by people who stayed.
hold 1.4% of supply$2,100 a month
The rate locks when a receipt is recorded, and a dip in holdings inside a day does not knock you down a rung. Anything over the monthly ceiling is not paid, and the ceiling resets on the first.
Price your own stack
Take out what you do not pay for, then move the slider to see what holding $OWED would change. Share counts come from the live market feed.
Build it from your own stack
Watching and listening
AI tools
Independent infra
Gaming
0.00%
Your set
Open
14% back, $30.00 a month at most
Forwarded each month$180.95
10 subscriptions
Paid back in stock$25.33
under the ceiling
Over twelve months$304.00
at today's rate
Positions after a year
- NVDANVIDIA…$100.80
- QQQInvesco QQQ…$67.20
- MSFTMicrosoft…$33.58
- NFLXNetflix…$30.22
- DISDisney…$26.86
- AMZNAmazon…$25.18
Hold 0.05% more of supply for Filed at 23% back.
Share counts use the live price, so they move with the market. Worked example, not a forecast.
Small every month. Not small by December.
Ten ordinary subscriptions run $180.95 a month. At the Open rate of 14% that hands back $25.33 in stock every month and $304.00 across a year, with no token held.
Forwarded a year
$2,171.40
Paid back a year
$304.00
Positions opened
7
Cost to you
$0.00
A worked example at published rates, not a forecast. Reward stock moves with the market in both directions.
Drive it from a terminal or an agent
The CLI and the MCP server talk to the same API this site does, and print back exactly what they get.
$
node cli/owed.mjs status <addr_id>this month's rewards, your rung, holdings and what is claimable
$
node cli/owed.mjs claim <addr_id>the exact call to submit from a wallet you control
$
node cli/owed.mjs merchants spotifywhich merchants are covered and which ticker each pays in
$
node cli/owed.mjs chaina live read of Robinhood Chain
Node 18 or newer. Both ship in this repository, under cli/ and mcp/. They read no local files, run no shell commands and never ask for a private key. Point either at another deployment with OWED_API. Claiming settles on-chain from a wallet you control.
Count the parts yourself
This strip reads Robinhood Chain right now. Nothing on it is a number we typed in.
Network
Robinhood Chain
chain 4663
Latest block
…
waiting for the node
Gas
…
what a claim costs to submit
$OWED and vault
Launch soon
addresses land here the day they deploy
The awkward questions first
Anything left over lives in the docs, including the vault source in full.
What can GetOwed actually read?+
The receipts you forward, and nothing past them. From each one it takes the merchant, the charge and the date. GetOwed never signs in to your mailbox, never sees mail you did not forward, and never asks for a password.
What lands in my wallet?+
Fractional tokenized stock, reserved against a public vault on Robinhood Chain and claimed to the wallet you connected. It moves with the market in both directions, which is the difference between stock and points.
Who pays for the stock?+
The GetOwed treasury. Your subscription charge never changes. Fees on $OWED fund the purchases, and the stock sits in the vault before any voucher is signed against it.
Can GetOwed take a reward back?+
No. Stock leaves the vault through one path, a claim you sign. There is no sweep, no arbitrary execute, no owner withdrawal. The whole contract is printed on the docs page.
Could someone forge a receipt?+
Editing a forwarded mail breaks its DKIM signature, and GetOwed checks that the signing domain belongs to the merchant it names. It also dedupes on the Message-ID, requires that the mail was addressed to you, and rejects anything past the freshness window.
How do I stop?+
Delete the mail filter. GetOwed holds nothing else of yours. Whatever you already claimed stays in your wallet.
Start with one receipt.
Connect a wallet, drop in a renewal you already pay for, and own a little more of the company on the other end of the bill.
Tape ends here
GETOWED · $OWED · ROBINHOOD CHAIN · LAUNCH SOON