InnovateCredits Cooperative — D.C. Chartered

A cooperative that lets brands fund groceries for EBT/SNAP families at the register — with no new federal spending and no new POS systems.

Five winning parties. Same single checkout swipe. The cooperative is in pre-charter formation; the flagship Brand Donation Pathway is being signed with anchor brands now.

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Briefing · Layperson · 9 minV2

Brand Donation Pathways

Three converging routes — default M2 cash-plus-AI-8112, advanced M1 gift-card uplift, specialty M3 §170(e)(3) inventory donation.

Four use cases of the Innovation Credit

Year 1 brand donation today. Three federal-endpoint rails pre-staged for Treasury.

The Brand Donation Pathway is the cooperative's Year-1 flagship — live at the register on the same swipe. The other three use cases are what the cooperative pre-stages: the same standards, audit, attachment, and settlement rails that Treasury will adopt at the par event. The cooperative does not itself collect duties, enhance the federal balance sheet, or operate a national surveillance program — it builds the substrate Treasury inherits.

What is this, in 4 minutes

A cooperative — the kind that owns your local grocery store or electric utility — but the thing it owns is a credit

Brands give a charitable donation, in cash, to a chartered Donor-Advised Fund. The fund uses the donation to buy gift-card-equivalents from the same brand at retail. Those become Coop-IC: a credit attached at the product level. At checkout, an EBT/SNAP family swipes their normal card; the Coop-IC covers the brand-funded portion of the basket first, the SNAP balance covers any residual second. The retailer is paid full retail price by the cooperative's settlement rail. The brand gets a tax-deductible charitable receipt for the original cash donation. The taxpayer saves on SNAP outlay dollar-for-dollar on the brand-funded share.

The 4-minute explainer video for the home page is in production. Until then: the plain-English version is the paragraph above; the deeper version is in the "How It Works" reference layer.

See the flagship use case end-to-end
Where we are today

Pre-charter formation. Anchor partners under MoU.

Formation
In flight
D.C. cooperative charter (Title 29 Ch. 9 + Ch. 10) — counsel of record engaged, charter filing target Q3 2026.
Wave 1 founding patrons
1 signed, 2 in recruitment
A founding carbon-supply patron is signed. Federal-Government and Civic-class anchors are in active recruitment. Specific names disclosed at charter date.
First retailer pilot
Planned 2026 H2
Initial flagship Brand Donation Pathway pilot with named retailer + named brand. Sequencing depends on charter date and USDA-FNS coordination.
Treasury bridge
Roadmap
1:1 par convertibility to Treasury IC is a roadmap commitment, not a current operational feature, and is not required for the cooperative's SNAP-pathway value.