Step 1
Onboard
One account, one app. Members load their payment, loyalty, membership and gift cards into the Earnva Smart Wallet.
For investors
Invest in the first HelpTech ecosystem.
Infortum unifies FinTech, HealthTech and rewards into one platform, and captures the most valuable signal in consumer markets: real-world, offline behavior, owned and permissioned by the consumer.
Tech giants monetize clicks. The physical world is still dark.
- 01
Offline In-Life Data
Groceries, gas, travel, dining, health choices. Infortum captures what people actually do in the physical world, not what they browse.
- 02
User-owned and consented
Every Earner owns their data, controls permissions and sees their full engagement history. Value is created with consent, not around it.
- 03
One touch point
One app and one network become the first thing a member opens and the last they close, generating daily engagement no single-purpose app can match.
A market at the intersection of finance and health.
TAM
260M+
US adults who use a credit, debit or membership card
SAM
120M+
Digital-native consumers using rewards, wallets and finance apps
Industry
$4.5T
Annual US healthcare spending
Per consumer
$700
Lost per consumer each year in unused rewards and overlooked savings
Market figures are Infortum estimates based on industry research.
How a consumer becomes an Earner.
Every action earns value, every purchase generates savings, and every engagement builds a richer, user-owned profile.
- Onboard
- Activate
- Earn on everything
- Unlock membership
- Personalize
- Repeat, every day
Step 2
Activate
Pay, unlock memberships and redeem offers right from the app, earning Earnva points on top of the rewards they already get.
Step 3
Earn on everything
Points for using the app, daily check-ins, travel, referrals and finance challenges. Points never expire.
Step 4
Unlock membership
Premium members access the full Earnva Savings & Rewards Network across millions of merchants.
Step 5
Personalize
AI learns real-world preferences to surface hyper-relevant offers, so members save more and merchants sell more.
The loop
Repeat, every day
Each cycle adds savings for the member, revenue for merchants and a richer, consented profile. The loop compounds.
Built-in network scale.
Merchants in the rewards network
Hotels and global properties
US pharmacies accepting EarnvaRx
Free generic medications
Multiple ways to compound value.
- 01
Memberships
Recurring subscription revenue from freemium-to-premium upgrades across the rewards network.
- 02
Premium app features
Premium Smart Wallet and app features that anchor daily use.
- 03
Merchant partnerships
Merchants pay for targeted promotions and real engagement, not coupon chasers.
- 04
Enterprise white label
Rewards, payroll, benefits and incentive programs for corporations, insurers, credit unions and travel brands.
- 05
Health services
Virtual care and prescription memberships that deliver measurable savings.
- 06
Consented data insights
De-identified, permission-based insights for partners, built on a consumer-first model.
No other wallet combines it all.
Infortum owns its core technology, including its data architecture, rewards ecosystem and the Earnva app and Smart Wallet platform.
- Digital wallet
- Rewards network
- Health benefits
- Biometrics
- Blockchain
- Merchant analytics
- Tokenized data
- One-to-one personalization
From one app to a global ecosystem.
Now
- Earnva Savings & Rewards Network
- Earnva app and Smart Wallet
- EarnvaRx prescription savings
- 247FirstCare virtual care
Next
- Enterprise and employer white label
- AI financial coaching
- Health-linked rewards
Future
- Global banking via AET Trust
- Low-cost cross-border remittances
- Secure precious metals and digital asset vault
- International expansion: Canada, EU and Asia
Leadership
Eddy Pham
Founder & CEO, Infortum Inc.
Eddy Pham is the Founder and CEO of Infortum Inc. A proven operator with more than 30 years of experience, he has launched over 150 consumer products and scaled brands into millions of households through product development, direct-response marketing and large-scale commercialization.
His background spans FinTech, HealthTech, retail, direct-to-consumer and media, with deep expertise in consumer behavior, data-driven marketing and technology integration.
“I never wanted to create another discount app. I wanted to build an intelligent ecosystem that helps people save, earn and make better decisions.”
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Our full investor materials, including financials, projections and offering details, are shared privately with qualified investors. Tell us about yourself and our team will follow up.
This website is for informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities. Any such offer will be made only through definitive offering documents provided to qualified investors. Statements about future products, markets and plans are forward-looking and involve risks and uncertainties; actual results may differ materially.