Fintech startup Grifin, which launched in 2017, has a unique solution when it comes to investing – it matches where you shop with where you invest.

Grifin automatically withdraws $1 from a user's checking account every time they make a purchase at a publicly traded company, and then automatically invests that dollar back into the company for the user. For example, if a Grifin user went to Starbucks and bought a cold drink, the Grifin app would withdraw $1 with the purchase and give the user $1 in SBUX shares.

The company released a new one adaptive investment model on Thursday that makes its services more flexible, from the ability to stop automatic payments to disabling investments in some companies that users buy from. The user can now also manually increase or decrease how much they want to spend on investments, from $1 to $99 per transaction.

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“By investing in small amounts, as little as $1 at a time, the goal is to help people learn to navigate the world of investing without incurring too many negative consequences if they don't get it right,” Grifin co-founder Aaron. Frog told TechCrunch.

Grifin was created to democratize investing and help people understand their spending habits, Froug said. Having a positive relationship with money can be “an incredibly difficult thing to do and achieve,” he told the paper.

Here's how it works

I tried the Grifin app with the new adaptive investment model and found it easy to get on board and use the service.

^{Screenshots from the app. The first shows the steps needed to create a Grifin account, the second states that the app requires personal information, such as SSN and home address, and the third shows how the app identifies companies to invest in.}

To create an account, I had to enter personally identifiable information, such as my social security number and my home address. I also had to link a checking account to the app and any other credit or debit cards I used so Griffin could track my transactions.

While I wasn't thrilled to give out all of my personal information, it was surprisingly easy to become an investor. It took less than 10 minutes to get everything connected and ready to go.

Within seconds, Griffin had already pulled the four places I bought last week, the last two weeks, and last month.

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The app is simply presented and the adaptive investment model gives me more confidence as a user because if I don't want to invest in a particular company but want to buy something from it, I can do that. The $1 per transaction investment model reframes spending choices because the app means spending less on consumption and more on investing time and money in businesses.

Griffin has an app redesign and an AI chatbot in the works according to TechCrunch.

As for me, I intend to continue using this app. The financial stakes are low enough that anyone can give it a try.