Credit
Borrow against what you already hold.
On the account that holds it.
Credit is a Settlement product — offered here, in the app, not a separate institution. It still uses the platform: ComplianceOS underwrites, TradingOS values the collateral, Veritas books the interest. The difference is that the line and the assets backing it live on the same ledger, so a maintenance breach is something you watch happen — not something you find out about by mail.
Portfolio margin
Borrow against the stocks and ETFs you already hold. The maintenance requirement, the equity ratio, and the borrowing power are computed on the same positions TradingOS is already marking.
Crypto-backed line
Pledge BTC, ETH, or SOL and draw cash without selling. Haircuts and maintenance levels move with the market; a breach is a state change on your account, not a margin call from a venue you don't bank with.
Spending line
A revolving line you tap at the point of sale. No annual fee, no overdraft fee. Every draw and every payment is on the same ledger as the cash account it sits beside.
Deposit advance
Instant access to a paycheck that's on its way. The advance and the deposit reconcile against each other automatically — there's nothing to true up later.
Collateral value, haircut, equity ratio, and margin status all move with the market — recomputed on the positions TradingOS is already marking, not on a stale snapshot.
Underwritten by ComplianceOS
Eligibility, identity, and limits run through the same compliance platform as the rest of the account. Every decision carries the check that produced it.
Collateral valued by TradingOS
The positions you pledge are the positions the matching engine already holds and marks. No second valuation, no lag between the trading book and the lending book.
Interest booked by Veritas
Interest accrues daily on the drawn balance, and Veritas books it for tax treatment — margin-interest deductibility resolved the same way realized gains are.
No surprise letters
A margin call is a status on the line, visible the moment the equity ratio crosses the maintenance level — with the collateral, the line, and the alert all on one account.
The collateral and the loan should know about each other.
When the assets backing a line sit at one company and the line sits at another, the only thing connecting them is a nightly file and a phone call when it's already too late. Here they're the same record. The maintenance requirement is enforced by the system that marks the position, the interest is booked by the system that does your taxes, and the limit is set by the system that knows the rest of the account. Credit isn't a bolt-on — it's another thing the ledger already understands.
Credit products are offered by Settlement, subject to eligibility and approval. Borrowing on margin involves risk, including the possible loss of more than the amount deposited; collateral may be sold to meet a maintenance call.