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Dreamer

IncubatingEst. 2026

Round up every purchase. Invest the change. Automatically.

Dreamer product interface

Dreamer turns everyday spending into investing. Every card purchase is rounded up to the nearest R5, R10 or R20, and every Friday the spare change is collected and invested. A R47.20 coffee becomes R50.00, and the R2.80 difference goes to work.

The money is not saved in a jar. It is invested, so it can compound, and it goes into dreams you name and date yourself: a tax-free savings account, three months of emergency cover, a house deposit, a trip to the Kruger in 2027. Each dream has a target and a date, and Dreamer shows how close you are.

It is built for people who have never invested and do not trust the products that exist for them. Nothing has to be decided each week: once a dream is set up, saving happens in the background, and a Dream Report every Sunday shows what came in, where it sits, and what it cost.

Cedar designed and is building Dreamer in the studio, on the same engineering core as its other ventures. Dreamer Money (Pty) Ltd is a juristic representative of Tigris Wealth, an authorised financial services provider, and investments are held in the member's own name with a licensed investment partner, never by Dreamer.

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The problem

Most South Africans never start investing. The products feel built for people who already have money, the fees are hard to read, and setting money aside means deciding to do it, again and again, against everything else competing for the same rand.

The answer

Dreamer removes the decision. A read-only bank link sees each purchase, rounds it up, and invests the change every Friday into named, dated goals, with fees shown up front and a weekly report that makes small progress visible.

What it does

  • Round-ups on every purchase

    Each card purchase rounds up to the nearest R5, R10 or R20. The spare change is collected once a week, every Friday, with an optional monthly cap.

  • Dreams with a name and a date

    Every goal gets a name, a target amount and a date, so progress is measured against something real, not a balance.

  • Invested, not parked

    Members choose from funds by managers including Ninety One, Coronation, Satrix, Sygnia, 1nvest, 10X and Absa. Fees are shown before choosing, and Dreamer does not push a fund.

  • Tax-free dreams

    A dream can be a tax-free savings account, within the annual and lifetime limits set by SARS, with no tax on the growth.

  • Weekly Dream Report

    Every Sunday: what came in, where it sits, and what it cost. Recurring amounts and once-off boosts sit alongside the round-ups.

  • Free withdrawals

    Money can be withdrawn at any time at no charge, and usually reaches the member's bank within two business days.

Screens

Dreamer product screen 1

How it works

  1. 1

    Connect your bank

    Through the bank's own login. The link is read-only: Dreamer can see transactions but cannot move money.

  2. 2

    Name a dream

    Give it a name, a target and a date: a tax-free account, an emergency fund, a house deposit.

  3. 3

    Pick how it grows

    Choose a fund, with its fees shown before you commit.

  4. 4

    Set the rhythm

    Pick the round-up size, add a recurring amount if you like, and let Friday do the rest.

Who it serves

  • First-time investors

    South Africans who have never invested and want to start without a lump sum or a decision every week.

  • Goal savers

    People saving toward something specific, a deposit, a trip, a safety net, who want to see the date getting closer.

  • Families

    Households that want several linked accounts feeding shared dreams.

The model

A monthly membership, with tiers by the number of linked bank accounts, plus a 0.5% yearly platform fee on invested money. Fund manager fees are separate and shown before a member chooses; the all-in yearly cost stays under 1%. Investments carry market risk and projections are not guarantees.