Spend it. Diito it.
Turn everyday spending into investing, automatically.
The trigger is the spend itself. You buy something; Diito places a matching investment order for the same amount, up to limits you set.
You're on the list. We'll email you when Diito opens.
spend. invest.
Diito is ditto: a mirror.
spend
Takeout
invest
Same amount, up to your ceiling.
The figures and scenarios shown above are for illustrative purposes only, and do not reflect actual customers or returns. Individual circumstances will vary greatly and depend on personal and market circumstances.
How it works
Mirror every purchase as an investment
Set your limits once. After that the trigger is the purchase itself: the impulse doesn't go away, so neither does the investment. You decide what Diito mirrors and how much, and you can change it or stop it at any time.
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01
Connect your accounts
Link the bank accounts and cards you spend on, and pick the account your investments are funded from. They do not have to be the same one.
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02
Choose what counts
Pick the vendors that count as discretionary for you. Coffee and takeout in, rent and utilities out.
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03
Set your mirror ceiling
The most Diito will ever match on a single purchase. You set it, and you can change it whenever you like.
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04
Auto-Diito is live
Every purchase you chose is matched, and the order goes in for you, automatically. Nothing to tap, and a record of each one.
Diito is the technology. It reads the purchase, applies the limits you set, and sends the order. The brokerage account is yours, carried by Alpaca Securities LLC, which executes and settles every order. What you invest and how much is your decision, and you are entirely responsible for making it.
Diito doesn't change behavior. It redirects it.
You set every limit
Diito is built not to surprise you. Four settings decide what it does, every one of them yours: set at signup, visible in settings, changeable any time. None is hidden and none is held back.
Amount
Your mirror ceiling
The most Diito matches on any one purchase. Above it the match holds at the ceiling, so a purchase larger than the ceiling is matched only up to the amount you chose.
Month
Your monthly cap
The most Diito will mirror in a calendar month. Reach it and mirroring stops until the next month. You can change the cap in settings whenever you want.
Balance
Your safety floor
The balance you tell Diito not to dip into. If a match would cross it, Auto-Diito pauses instead of matching something smaller, and picks up again once your balance is clear of it.
Vendors
Your exclusions
Leave a vendor out and Diito skips it from then on. Change your mind whenever you like.
Questions
The things people ask first
What it does
Does Auto-Diito move my money on its own?
Within the limits you set, yes. Once your accounts are linked and your limits are set, the purchase itself is the trigger, so each matching order goes in without asking you again — that standing instruction is what you give Diito when you set it up. You hold every limit, you can change any of them whenever you want, and you can pause mirroring at any time. The decisions about investing stay yours.
Does it round up my purchases?
No. Round-ups invest the change left over from a purchase. Diito mirrors the amount itself, one for one, up to the ceiling you set. Contribution size is the difference, and you control it.
Is there a Diito card?
Not today. Diito works with the accounts and cards you already have. It reads purchases from the ones you link, and funds the investment from an account you choose. Nothing changes about how you pay.
Your money
What happens if I spend more than my ceiling?
The match holds at the ceiling. A purchase well above your ceiling still mirrors only up to it, so the amount that leaves is the amount you set.
Could it overdraw me?
Avoiding it is built into how Diito works, and there are four things standing in the way of it. Diito checks your bank balance before transferring. You set a floor Diito is built not to take you below. If a match would cross that line, Auto-Diito pauses instead of matching a smaller amount (a partial match is still a debit below the line you drew) and it stays paused until your balance recovers. And your per-purchase ceiling and monthly cap limit how much can leave in the first place.
Even with all of that, we cannot promise it never happens. Your balance can move between the moment Diito reads it and the moment the money actually leaves, and other payments can land in between. Diito is not responsible for overdraft or insufficient-funds fees your bank charges, so leave your floor some room.
Can I lose money?
Yes. A matched order buys real securities, held in your own brokerage account, and investments fall as well as rise — you can end up with less than you put in, including the loss of principal. Past performance does not guarantee future results.
Your data
Do you see my bank password?
No, and we could not if we wanted to. Bank sign-in happens inside Plaid. Diito receives permission to read your transactions and balances; your credentials never reach us and are never stored.
What happens to my email address if I join the waitlist?
We use it for one thing: to email you when Diito opens. It is not added to a newsletter, sold, or shared. Ask us to delete it and we will.
Can I have my data deleted?
Yes. Write to hello@diito.it and we will delete what we hold about you. Once there are accounts, deletion will also be available from inside the app.
Getting in
When does it open?
We are not announcing a date. Diito is not open yet, and the waitlist is how you will hear first.
Who is behind Diito?
Diito Inc. Our company details are in About, and the ways to reach us are under Contact.
How do I report a security problem?
Email hello@diito.it. Tell us what you found and how to reproduce it, and we will come back to you.
About
Who is behind Diito
Diito is built by Diito Inc., in New York. We're a team building a way to turn the spending you already do into the investing you keep meaning to start, in small steps.
Diito is not open yet. We are building it in-house, and the waitlist is how you will hear when it is ready.
Contact
Talk to a person at Diito
One address, and a person on the team reads it. We answer within two business days: a question about the product, a privacy request, a security report, or the press, all of it comes here.
- hello@diito.it
Diito is not open yet, so there are no accounts, balances or orders to ask about. Nobody at Diito will ever ask you for a password, a one-time code, or your bank credentials, not by email and not by phone. If you get a message that does, forward it to hello@diito.it.
The waitlist
Be there when it opens
Diito is not open yet. Leave your address and we will email you when it is.
You're on the list. We'll email you when Diito opens.