GivBux Inc. (OTC: GBUX), a publicly traded fintech firm operating a multifunctional digital commerce and giving platform, has announced it has finalized a share exchange agreement to acquire Charter House Financial AU. Under the terms of the agreement, GivBux will acquire 100 percent of the issued and outstanding shares of Charter House Ltd. in exchange for common stock, with the transaction expected to close by July 13, 2025.
This marks a notable evolution in GivBux’s strategic direction, positioning the American fintech developer to merge tangible asset backing with its mobile-first ecosystem. Charter House Financial AU, led by gold markets veteran Anthony Capazze, is expected to play a foundational role in enabling GivBux to introduce gold-backed services within its mobile Super App—ranging from digital wallets to asset-linked rewards.
The acquisition also coincides with GivBux’s decision to cancel two previously announced strategic moves, including a USD 39 million acquisition and a March investment agreement, signaling a tightened focus on initiatives that align with long-term shareholder value and operational integration.
Why did GivBux choose Charter House Financial AU as the foundation for its gold-backed fintech strategy?
Charter House Financial AU, founded by Anthony Capazze, brings over two decades of expertise in gold trading, institutional finance, and asset-backed financial structuring. The Australian entity has established a framework for delivering gold-based financial services at scale, including the ability to structure revenue models tied to precious metal reserves.
GivBux, which has built its brand around a hybrid model of ecommerce and charitable giving, identified Charter House as a gateway to adding asset-backed stability to its platform. By integrating Charter House as a wholly owned subsidiary, GivBux plans to offer its Super App users gold-backed financial benefits—a move aimed at increasing both trust and long-term user retention.
Capazze, who will continue to steer the asset-backed portfolio under the GivBux umbrella, said the partnership presents a “tremendous opportunity” to scale gold-backed digital offerings through a mobile-first ecosystem. Based on internal forecasts and current market conditions, he indicated that the combined operations could generate up to USD 200 million in revenue during the first full year of integrated operations.
How will the integration of Charter House benefit GivBux’s digital platform and its user ecosystem?
The GivBux Super App, which allows consumers to shop from over 100 national retailers and direct cashback toward charitable causes, has steadily grown its user base through 2025. The platform has also expanded into adjacent services such as social networking, food delivery, messaging, and ecommerce.
With the addition of Charter House’s capabilities, GivBux plans to launch a suite of gold-linked tools inside its Super App. These could include gold-backed reward accounts, stable transaction mediums pegged to physical assets, or even tokenized forms of precious metals tailored for specific user segments. Such offerings are designed to appeal to a rising class of users concerned with fiat instability and the risks of unbacked digital currencies.
Institutional investors tracking emerging fintech models have pointed out that integrating real-world assets such as gold into digital platforms may offer a bridge between traditional finance and mobile commerce. Analysts believe this approach could boost average revenue per user (ARPU) and attract institutional partnerships, especially in regions experiencing inflation or capital outflows.
What does the cancellation of previous GivBux deals indicate about its strategic priorities?
Alongside the Charter House announcement, GivBux confirmed it will not proceed with two prior initiatives: a strategic investment agreement disclosed on March 29, 2025, and the USD 39 million acquisition of ecommerce platform VitorganAmerica.shop announced on February 3, 2025. In the former, GivBux cited the investor’s inability to complete the transfer of funds. In the latter, the seller reportedly failed to meet due diligence requirements.
These withdrawals reflect a sharpened strategic lens. According to president Umesh Tim Singh, GivBux is now focusing its resources on initiatives that create direct and scalable impact within its Super App framework. Singh stated that the Charter House acquisition, by contrast, offers a “tremendous opportunity to build the GivBux brand” around secure, real-world financial value embedded in a seamless digital interface.
Industry watchers interpret this as a maturing signal from the American fintech developer. By avoiding loosely aligned acquisitions, GivBux appears intent on consolidating its value proposition around asset-backed utility rather than broader ecommerce expansion.
How significant is the projected USD 200 million revenue potential, and what are the assumptions?
The USD 200 million revenue estimate cited by Anthony Capazze hinges on current market demand for gold-backed digital services, user uptake within the GivBux Super App, and Charter House’s ability to scale its infrastructure globally. While not a guarantee, such a figure suggests strong expectations for monetization through gold-pegged products and potential institutional licensing.
If realized, the projection would represent a dramatic leap in financial performance for GivBux. As a microcap fintech firm trading over-the-counter, GivBux’s public filings in recent years have not reflected material earnings, making this a pivotal opportunity to establish recurring revenue streams. Institutional sentiment remains cautious, but interested, pending execution milestones and platform rollout.
Analysts covering asset-backed fintech models generally agree that the path to high-volume adoption depends on the ease of user onboarding, regulatory clarity surrounding digital commodities, and transparent redemption mechanisms.
What is the broader market opportunity for gold-backed fintech platforms in 2025?
Interest in asset-linked digital products has surged as users increasingly seek alternatives to fiat-backed payment systems and volatile cryptocurrencies. Gold, as a centuries-old store of value, offers a unique hedge against inflation and market shocks—characteristics that digital-only platforms lack.
GivBux’s expansion into this segment positions it within a small but growing category of fintech firms experimenting with hybrid monetary models. These models seek to offer the best of both worlds: the speed and convenience of mobile transactions with the security of asset-backed accounting. If successful, GivBux could serve as a template for other Super App developers exploring commodity-tied financial instruments.
Institutional sentiment surrounding such ventures remains mixed. While innovation is welcome, investors generally require detailed financial controls, robust user protection mechanisms, and credible infrastructure to support tokenized or asset-pegged services. GivBux will need to navigate these hurdles carefully as it integrates Charter House and prepares to launch its next product wave.
What are the next steps and timeline for GivBux and Charter House integration?
The share exchange transaction is expected to close no later than July 13, 2025. Once complete, Charter House Financial AU will operate as a wholly owned subsidiary of GivBux Inc., and joint platform development efforts will begin. The short-term focus will be on embedding Charter House’s asset-backed infrastructure into GivBux’s mobile app and defining the product roadmap for gold-linked services.
GivBux has not yet disclosed specific launch dates or regulatory pathways for its new offerings. However, with the transaction publicly confirmed and a revenue target of USD 200 million floated, analysts expect GivBux to begin platform pilots or beta rollouts by Q4 2025.
Over the longer term, GivBux has hinted at broader ambitions to evolve into a digital asset commerce ecosystem spanning banking, payments, transport, and cause-based donations—all with real-world value embedded. The Charter House acquisition may therefore serve as the first major building block in this asset-centric pivot.
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