After 16 years in finance, Saleem S. Khatri owned a closet full of suits. But as he packed for Silicon Valley and the most important meeting of his life, he settled on his lucky Superman T-shirt. The tech world was less buttoned-up than the banks he had worked for, and Khatri, who was pitching his startup to the legendary incubator Y Combinator, figured he’d need all the luck he could get.

Part of YC’s Winter 2015 class, Instavest is a startup trying to turn investing — an activity most of us are used to doing privately — into a social activity

In short, using Instavest, smart investors can increase the potential reward of a winning trade without leaning on margin. Given that the party that makes the original trade can only pick up a percentage of a percentage on the capital that it did not bring to the table, it seems likely that most of their own profit will come with their own invested capital, but that could change over time if Instavest is able to attract a large user base.