Hoodrich
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Pay in four.
Your stocks are
the credit check.

It works like Klarna: a quarter down, the card in your hand, the rest over six weeks. The difference is what stands behind it. Instead of checking your credit, we hold shares you already own. You never sell, so the upside stays yours.

↗Start shopping How it works

Contract is live and tested. Coming soon the rest of it.

Your NVDA
→
stays yours
Take the card
today
Pay in four

Everything, in four payments

Real cards, delivered the moment your plan opens. The code lands in seconds, not when you have finished paying.

What can I get?

Your limit today
$—

Four steps, six weeks

01

Lock the stock

Put up more than the card is worth. It sits in the contract, not with us, and it can only go back to you or cover a default.

02

Take the card

We buy it, the code arrives straight away. Not held back until you have paid, which is rather the point.

03

Pay in four

A quarter when you open it, then every two weeks in USDG. A flat 4% on the card and nothing else, however long you take. Clear it early whenever you like.

04

Take your stock back

The last payment returns it automatically. Whatever it did while you held it, it did for you.

That's the whole thing.

A flat 4%, no interest, no credit check, no selling.

↗Open the shop

Anything Robinhood tokenized

Steadier things get you more. Treasuries barely move, so we ask the least margin on them. A memestock swings, so we ask for more.

What this actually is

This is a loan against your shares. You are not selling them, which is the good part, but you are borrowing, and there is a real consequence if you stop paying.

If you miss a payment and do not fix it within three days, the stock you put up covers what is left. You keep the card. You lose the shares.

We ask for more collateral than the card is worth because there is no credit check and nothing else backing it. That margin is the only reason this can work without asking who you are.

Nothing is priced live on chain. The margin is set once, when your plan opens, so a falling stock will never trigger a surprise sale. It is also why the margin is wide at the start.

Tokenized shares track a price. They are not shares: no ownership, no voting, no dividend.

The fee is a flat 4% of the card, added to the total and split across the four payments. It is the only thing we charge and the only thing we make. There is no interest, no late fee and no charge for paying early.

We are not affiliated with any of the brands in the shop. Their names and logos belong to them, they have not endorsed this, and there is no partnership. The cards are bought through a third-party reseller at face value, the same way you would buy one yourself.

Buying now and paying later is credit, even when your own assets are behind it. Only take a plan you can finish. If you are not sure you can make four payments, the honest answer is do not.