You Can Now Buy U.S. Stocks On SurgePay — Own a Share of the World's Leading Companies

"SurgePay has made US stocks and ETFs accessible to African investors, powered by Ondo Finance."

SurgePay has partnered with Ondo Finance to bring US stocks and ETFs directly to African investors through tokenized equities. You can now buy Apple, Tesla, Google, NVIDIA, and over 260 top US stocks and ETFs directly from your SurgePay app, with zero fees when buying.

What Are Tokenized Stocks? (And Why Should You Care?)

A tokenized stock is a digital token that represents real ownership in an actual, publicly traded company.

Ondo issues tokenized notes backed by stocks held via clearing brokers. These tokens move freely across wallets like stablecoins, with users only required to complete KYC at the minting stage.

When you buy Apple through SurgePay's tokenized stocks feature, a real Apple share is purchased and held in custody by a regulated US broker on your behalf. The token in your SurgePay app represents that real share, backed 1:1 by the actual stock.

Each tokenized stock on Ondo Global Markets follows a mint-and-redeem model backed by actual securities. A regulated US broker-dealer purchases and custodies the underlying stocks and ETFs, with Chainlink providing oracle price feeds that keep on-chain token prices aligned with real-time market data.

What this means for you: the price you see in your SurgePay app is the real price. Not an approximation. Not a derivative. The actual market price of the stock, updated in real time.

Why Ondo Finance? Why Does It Matter?

Ondo isn't a startup experiment. It's the dominant infrastructure layer for tokenized equities globally.

Ondo Finance commands over 70% market share in tokenized equities, with $3.78 billion in Total Value Locked as of mid-2026, and partnerships with BlackRock, JPMorgan, Goldman Sachs, Mastercard, and PayPal.

The platform has recorded over $7 billion in trading volume since its launch in September 2025, making it the largest tokenized equities platform.

When SurgePay says this is institutional-grade infrastructure, that's not marketing language. It's the same rails that the largest financial institutions in the world use — now accessible to you through your SurgePay app.

What You Can Actually Do With It

Here's what's available to SurgePay users right now:

US Stocks

Buy shares in the world's most recognisable companies — Apple, Tesla, Google, NVIDIA, Microsoft, Amazon, Meta, and more. Over 260 stocks available and growing.

US ETFs

ETFs let you invest in a basket of companies at once, which means more diversification with a single purchase.

• SPY: tracks the S&P 500, the top 500 companies in the US
• QQQ: tracks the top 100 NASDAQ companies, heavily weighted toward tech
• Sector ETFs: invest in specific industries like healthcare, energy, or AI

Pre-IPO Stocks

Ondo Global Listing, launched in February 2026, enables same-day tokenization of IPOs. This means SurgePay users can now access investment opportunities that were previously only available to institutional insiders — getting in before companies go public on the stock exchange.

24/7 Trading

Ondo Global Markets provides 24/7 trading access to traditional equities for qualified international investors on select assets. You don't have to wait for the New York Stock Exchange to open to make your investment.

How SurgePay Is Different

SurgePay's approach is meaningfully different in three ways:

• It's built on stablecoin infrastructure: SurgePay is a cross-border payments and stablecoin app first. Your USD account, your USDC savings, your virtual dollar card, and your stock portfolio all live in the same app. You can receive payment from a client, convert to USDC, earn interest, and invest in Apple without switching between three different platforms.
• Zero buying fees: Most investment platforms charge a commission or spread when you buy. SurgePay charges zero fees when buying stocks. That means more of your money goes into the investment from day one.
• Tokenized, not just brokered: Traditional investment apps buy stocks on your behalf through a US brokerage. SurgePay's tokenized model means your investment moves at blockchain speed — instant, transparent, and accessible 24/7 on supported assets.

A Real Example of What This Looks Like

Say you're a freelance designer in Abuja who just received a $500 payment from a US client into your SurgePay USD account. With SurgePay Stocks, you can:

1. Keep $200 in USDC and earn 7% APY in SurgeFlex Savings
2. Invest $200 into the S&P 500 ETF (SPY)
3. Invest $100 into NVIDIA stock
4. Do it all in the same app, in under five minutes, with zero buying fees

That's what having the full financial picture in one place actually looks like.

Is This Safe? What Are the Risks?

Investing always carries risk. Here's what you need to know clearly:

• The stocks are real: every tokenized stock is backed by actual shares held in custody by a regulated US broker-dealer. You're not buying a synthetic product or a bet on a price.
• Prices follow real markets: if Apple goes up, your token goes up. If Tesla goes down, your token goes down. These are real market movements, not platform-specific pricing.
• Your capital is at risk: stock values go up and down. Never invest money you can't afford to leave invested for a period of time. Diversification — spreading across multiple stocks and ETFs — reduces the impact of any single company performing badly.
• Ondo's infrastructure is regulated: Ondo Finance's tokenized stocks and ETFs have received regulatory approval in Abu Dhabi, and the platform has processed more than $11 billion in trading volume.

How to Get Started in 5 Steps

1. Download SurgePay from the App Store or Google Play
2. Complete your KYC verification — you'll need a valid government-issued ID
3. Fund your account — deposit USDC or USD into your SurgePay wallet
4. Go to Stocks in the app navigation
5. Choose your first investment — a single stock, an ETF, or a pre-IPO opportunity

That's it. No brokerage account. No SWIFT codes. No geographic restrictions.

For the first time, you can receive international payments, save in USDC, invest in Apple or the S&P 500, and spend globally with a virtual dollar card — all inside a single app built for Africa.

Your portfolio doesn't have to be local anymore.

"Start investing in US stocks on SurgePay today — surgepay.tech"

Investing involves risk. Capital at risk. Past performance does not guarantee future results. Zero fees apply to buying only — selling fees may apply. 24/7 trading available on select assets only. SurgePay tokenized stocks are powered by Ondo Finance and available to eligible users. See surgepay.tech/terms for full details.