Givbux, Inc. (OTC: GBUX)

GIVBUX, Inc. is a financial technology company that provides a mobile wallet Super App enabling users to make point of sale payments, earn rewards, send money, chat, and donate to charity. The company was originally incorporated in Colorado in 2001 as Rub-A-Dub Soap, Inc. After years of minimal activity it shifted to an automotive tire venture, later became inactive, and in 2020 merged with GivBux, Inc. of Nevada. The combined entity adopted the name GIVBUX, Inc. in early 2021 and operates through its wholly owned subsidiary GivBux Global Partners, Inc. The Super App is available on Google Play and the Apple App Store.

GIVBUX, Inc. generates revenue primarily from marketing fees paid by merchants that participate in the Super App network. The company retains approximately thirty percent of these fees to cover operating expenses while distributing about seventy percent to users and affiliates. In addition, GIVBUX collects subscription fees of one hundred forty nine dollars ninety five cents and monthly fees of twenty nine dollars ninety five cents from its affiliates, sharing the same commission structure. Revenue is also derived from transaction activity on the platform, although the filing emphasizes the fee sharing model as the core income source.

GIVBUX, Inc. operates in a highly competitive FinTech market where many larger firms offer similar mobile wallet and payment solutions. Competitors benefit from greater brand recognition, longer operating histories, larger user bases, and more substantial financial and technical resources. The company differentiates itself by integrating charitable giving directly into the payment experience and by offering a social networking layer within the app. Despite these differences, GIVBUX faces pressure to keep fees low and to provide incentives that match or exceed those of rivals. The filing notes that the company’s success will depend on its ability to attract and retain users and merchants while navigating a complex regulatory environment.

GIVBUX, Inc. serves individual consumers who download and use the Super App for payments, rewards, and charitable donations. The company also works with merchants that fall into two categories: national brands that are recruited directly by GIVBUX and independent local retailers that are signed up by affiliated agents. Charities that register with GIVBUX receive donations from users and can also benefit from the app’s user engagement. According to the filing, the Super App has recorded over twenty thousand downloads, which the company defines as active users. No specific merchant or charity names are disclosed in the document.