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.
Inside Settlement
One account. Eight surfaces.
Everything below runs on the same six engines and reports into the same ledger. Pick where to start.
Trade
Stocks, options, and crypto on one order book — powered by TradingOS.
Invest
AI-managed portfolios that show their work — and their joules.
Banking
Cash, card, transfers, and savings vaults in the same account.
Global
Cross-border transfers and a stablecoin settlement rail — jurisdiction-gated.
Credit
Margin, crypto-backed lines, and a spending line — on the ledger that holds the collateral.
Agents
Sub-accounts and bounded mandates for AI agents — identity as a smart byte, compute on EOC, every joule and dollar on one ledger.
Pricing
Every revenue line disclosed on the activity that earns it.
Security
Every regulatory requirement handled by the infrastructure, not bolted on.
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
See the cost and carbon footprint of every trade. The first brokerage where energy use, dollar cost, and emissions are first-class numbers on your statement.
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 cost and carbon. All of it happens in a single request cycle. No webhooks. No batch jobs. No reconciliation.
How a trade actually moves
One trade. Two architectures.
Follow a single order — buy ten shares — through a stack stitched from separate companies, and through Settlement. The difference isn't the feature list. It's whether the parts were built to fit.
TradingOS matches and settles. ComplianceOS screens and files evidence. Veritas books the lot. LegalOS confirms jurisdiction. Insights meters cost and carbon. TerraOS handles any real-asset leg. All in the cycle that started when you tapped buy.
Same trade. A stitched stack reconciles; a built stack just settles.