An investment app with edible dividends
If you’re the type of person who A) forgets her wallet and B) likes crowd funding, you need to sign up for Credibles. It’s an investment-like service that lets you loan money to local food business in return for store credit.
Here’s how it works: Download the app (for iOS and Android) or go to the Credibles website and search for a local restaurant, bakery, pub, butcher or what have you, then choose how much you want to pay up front via credit card. Lend $25 to a cheese shop and you’ve got $25 to spend on cheddar whenever you’d like--think of it as a delicious gift card that you buy for yourself.
When you’re ready to redeem, just tell the cashier you’re paying with Credibles and give your name. The store has a Credibles Business app that keeps track of its patrons, and purchases are automatically deducted.
Some businesses throw in cool perks when you contribute more, like a cooking class or an of-the-month membership. Credibles is working with more than a hundred food vendors across the country, so you can take stock in everything from artisanal gelato in Berkeley to farm-fresh eggs in Brooklyn.