GivBux is a fintech company built around a mobile payments app that lets users pay at retail merchants via a digital wallet. The app's core differentiator is a built-in charitable giving component: users earn cash-back rewards on purchases and can direct between 1% and 100% of those rewards to a charity of their choice. The app also includes social features (chat, voice, video), merchant discovery and loyalty tools, and transaction history tracking. GivBux targets three groups: everyday consumers, retail merchants, and charities. The app is free to download on iOS and Android. GivBux recruits large national retail brands directly and relies on a network of independent sales associates to sign up local merchants. GivBux makes money primarily through merchant marketing fees, retaining roughly 30% of those fees and distributing the remaining 70% back to users and associates as rewards. GivBux also charges users a one-time subscription fee of $149.95 and a recurring monthly fee of $29.95. Associates earn commissions on merchant marketing fees and subscription fees from users they recruit, creating a multi-level referral structure. The business operates as a two-sided marketplace, where revenue depends on growing both user count and merchant acceptance. The company is in early stages, with a newer version of the app targeted for release in early 2026.