Jacket Payload

Description

The Payload is a mid-layer rather than a standalone riding jacket, built around PrimaLoft Gold insulation to add warmth under a shell or on its own around town. It belongs to the NINETYFIVE capsule and leans hard into bold graphics, lightning-bolt prints and contrast ripstop at the shoulders and elbows. As a warming layer it is genuinely useful both on and off the bike. The important caveat is that it carries no CE rating and no built-in armor, so treat it as insulation to wear with protective gear, not as your impact protection.