Trade. Hold. Spend.
One account. Every asset class.
Stocks, options, crypto, and cash — unified in a single account. Every trade settles on infrastructure built for institutional precision. Every dollar is accounted for. Every jurisdiction is covered.
Trade
Stocks, options, crypto.
One order book.
Commission-free trading across every asset class, powered by the same matching engine that runs institutional venues.
Equities & ETFs
US-listed stocks and ETFs. Fractional shares down to $1. Real-time market data. Extended hours trading. No commission, no payment for order flow.
Options
Calls, puts, and multi-leg strategies. Visual P&L modeling. Greeks computed in real time. Automatic exercise and assignment handling.
Crypto
Buy, sell, swap, and stake major cryptocurrencies. 24/7 trading. Self-custody option with integrated wallet. DeFi access through a single interface.
Powered by TradingOS.
Every order flows through the same matching engine, pre-trade risk system, and settlement infrastructure that powers institutional trading venues. Sub-millisecond matching. FIX 4.4 gateway. Tamper-evident audit log. Market surveillance that runs on every trade, not a sample.
Banking
Hold cash. Send money.
Spend anywhere.
A full cash management account. Direct deposit, bill pay, peer-to-peer transfers, and a card that works everywhere Visa is accepted.
Cash Account
FDIC-insured through partner banks. Direct deposit with early access. No minimum balance. No monthly fees. No overdraft fees.
Settlement Card
Visa debit and credit. Tap to pay with Apple Pay and Google Pay. Real-time transaction notifications. Instant virtual card issuance.
Transfers
Send money to anyone instantly. ACH, wire, and peer-to-peer. Cross-border transfers with real-time FX rates. No hidden fees.
Bill Pay
Pay any biller directly from your account. Schedule recurring payments. Auto-pay with smart reminders. Every payment generates a tax-ready record.
Savings Vaults
Create named savings vaults with target goals. Competitive APY on idle cash. Round-up investing from card purchases.
Crypto Wallet
Custodial and self-custody options. Send, receive, and swap. Staking with automatic reward tracking. Full tax lot accounting via Veritas.
Infrastructure
Six engines. One account.
Every feature in the app is powered by a dedicated backend platform built by Transaction Science. No third-party stitching. One architecture end to end.
TradingOS
Matching engine, pre-trade risk, settlement, and market surveillance. Every order routes through institutional-grade infrastructure.
ComplianceOS
KYC/AML, sanctions screening, transaction monitoring, and regulatory reporting. Compliance evidence generated automatically from every action.
Veritas
Tax lot accounting, cost basis tracking, wash sale detection, and 1099 generation. Every realized gain links to the IRC section that authorizes it.
LegalOS
Jurisdiction resolution for cross-border transactions. Which law governs, which regulator has authority, which disclosures are required — resolved in real time.
Insights
Energy and cost metering for every API call. CSRD carbon reporting. Operational intelligence across the entire platform stack.
TerraOS
Tokenized real estate access. Buy fractional shares of properties, REITs, and real estate funds alongside stocks and crypto in one portfolio.
One trade. Six systems. Zero seams.
When you buy a stock, TradingOS matches and settles the order. ComplianceOS screens the transaction and generates evidence. Veritas computes the tax lot and tracks cost basis. LegalOS confirms jurisdiction and regulatory requirements. Insights meters the compute cost. All of it happens in a single request cycle. No webhooks. No batch jobs. No reconciliation.
Security & Regulation
Built for regulators.
Designed for people.
Every regulatory requirement is handled by the infrastructure, not bolted on after the fact. You get a simple app. Regulators get complete transparency.
FDIC Insured
Cash balances held at FDIC-insured partner banks. Up to $250,000 in standard coverage per depositor, per bank. Multi-bank sweep for higher coverage limits.
SIPC Protected
Securities held in brokerage accounts protected by SIPC up to $500,000 (including $250,000 for cash). Clearing through a registered broker-dealer.
KYC / AML / BSA
Identity verification, sanctions screening, and transaction monitoring powered by ComplianceOS. FinCEN MSB registration. State money transmitter licenses.
FINRA / SEC Registered
Brokerage services through a FINRA-registered broker-dealer. SEC Rule 15c3-1 net capital compliance. Best execution obligation.
Crypto Licensing
FinCEN MSB registration. State-by-state money transmitter licensing. BitLicense where required. MiCA compliance for EU expansion.
Tamper-Evident Audit
Every transaction, every state change, every access event is recorded in a hash-chained, immutable audit log. SOC 2 Type II. ISO 27001 certified infrastructure.