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Most Frequently Asked Questions

Enrollment, app, taxes, dividends, interest... 

Main Articles

Who can invest?

US Residents who reside in the United States.

How to open an account?

Download our mobile application and follow the steps in the sign up process. It takes less than 10 minutes to start your first portfolio.

Do I need to be an accredited investor?

No. Both accredited and non-accredited investors can join our fund.

At what age can I start investing?

To set up your own account you must be 18 or older to legally sign an agreement. If under 18, your parents can open a cycle on their account under your name. 

How much is the minimum investment?

5 dollars.

Are there management fees associated with investing?

No. We manage your money for free.


How is my account secured?

We use Plaid for identity verification and Square for all monetary transactions.
Both platforms offer the best technology in protection of your personal information. Using advanced encryption standard (AES 256) and transport layer security (TLS).

Do you share or sell my personal data?

We will never sell or share your data with third parties. Please read our Privacy Policy to learn how your data is used.

What is an investing cycle?

Each time you make an investment, that investment is considered to be an active cycle. This cycle is governed by a contract describing the plan level, length terms and amount of interest. 

Can I start multiple cycles?

Yes. Once your account is established start as many cycles as you want. All cycles can be under different plans.

Maturity of the cycle?

Short term 3 years, long term 5 years or leave your money for as long as you want.

Do I need to pre-select term length?

No. The app will automatically remind you of your anniversaries. 

Can I terminate a cycle before maturity date?

Yes. You can terminate a cycle at any time.

Are there any fees for early termination?

Yes. If accounts are terminated prior to the 3-year anniversary there is a 3% penalty fee. Also all earnings accumulated through that period will be lost.

To avoid a termination fee you need to submit a termination request after the 3-year mark.

Does the 5-year term offer some benefits?

Yes. If your funds remain in your account until the 5-year anniversary, Loyalty Bonus is paid on top of your initial investment and earnings accumulation.

This is a significant payout, but keep in mind your funds must remain in your account for 5 years and no dividends can be withdrawn through the entire term.


Is the app download free?

Yes. Our app is 100% free to download and use. With no monthly subscription charges or any other hidden fees.

Is it available on both stores; Google & Apple?

Yes. You can download the app from both application stores.

Is investing only offered through the app?

Yes. We do not offer desktop logins. Data and monetary exchange is inherently safer through mobile applications. Many smartphones (in addition to your login password) offer biometric fingerprint and face recognition as added layer of security, plus Google & Apple rigorously check validity of the apps available on their platforms. Apps that are found unsafe to use are immediately removed.  

Interest, Dividends & Taxes

What type of interest is offered on my initial deposit?

Annual, appreciation, compound on annual and appreciation interest and loyalty bonus.

Do monthly contributions earn interest as well?

Yes. They earn annual interest and compound on annual interest.

Should I set up contributions when starting cycle?

You can, but you don't have to. These contributions are optional. They can be added or edited at any time.

Do I manually pay for contributions?

No. They will be automatically withdrawn from your bank account on the 1st day of each month. 

Do gifts earn interest?

Yes. Rules and calculations use the same method as monthly contributions.

How the gift option works?

This feature is available on the app, where you can send invites to friends and family, instead of physical gifts, to gift money for any of your upcoming celebrations.

These gifts are deposited directly to your account and earn interest immediately.

How are dividends distributed?

Dividends can be withdrawn quarterly. They are distributed in a cash form but they need to be requested from the app dashboard.

Can I leave dividends reinvested?

Yes. Dividends will automatically be reinvested in your account. This is the best way to get the highest return out of your investment. 

Which tax form will I receive?

Each investor must complete an IRS W-9 form. This form will be automatically generated in the sign up process. At the end of each applicable tax year, a 1099-DIV form is sent to all our investors.

How will the form be sent to me?

The form will be available for download on the app dashboard. Usually is generated by the end of January.

Still Have Questions?

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