Abstract: The system and method of envestment is a way of providing investment opportunities having a completed action in addition to a monetary or service investment. Envestments are pushed to users or groups of users based upon challenges, groups, and friend relationships for which the user or group of users may have a high affinity, where affinity is calculated based upon each individual user's past actions modified by analysis and rules created through the use of social physics. The envested platform utilizes these data analysis techniques to enhance the user's experience and increase retention, engagement and ultimately envestments.