FDIC insured · $250k per account

Move your money.
Freely.

One account for checking, savings, investing, and crypto — with 4.8% APY, zero fees on transfers, and the best yields on stablecoins, anywhere.

See how it works →
2.4M+ members $14B+ under custody 4.9 ★ App Store
Net worth
$84,237.12
+ $1,284.09 (1.55%) this month
High-yield savings
$22,500.00
4.80% APY
Earning today + $2.96
Projected 12mo $1,080.00
Bitcoin
0.3128 BTC
$18,472
+2.4%
BTC$59,087+ 2.41%
ETH$3,142+ 1.18%
SOL$148.22− 0.62%
SPY$548.10+ 0.38%
QQQ$483.55+ 0.52%
USDC$1.004.80% APY
One account, four tools

Everything you need to build wealth.

Stop juggling apps. FinTechCo is a single account for the money you spend, save, invest, and send — with better rates and no hidden fees.

Invest
Crypto, stocks, and ETFs — one tap to own.

Buy from 300+ tokens and 5,000+ US equities. Set auto-invest rules. Skip the spread games.

Ξ
Ethereum
+ 1.18%
S
Solana
− 0.62%
AAPL
Apple
+ 0.84%
VTI
Total Market
+ 0.42%
Explore investing
Save
4.80% APY on every dollar.

FDIC insured up to $250k. No minimums, no lockups. Withdraw anytime.

4.80%
vs 0.42% national avg · paid daily · compounds monthly
Open savings
Pay
Send money instantly.

Free transfers to anyone, anywhere. Pay your friends, split the bill, or send USDC across the world.

Sent today
$248.40
Learn about Pay
2.4M+
Members growing their wealth
$14B
Total assets under custody
$2.8B
Paid in interest to savers
4.9
App Store rating across 180k reviews
Security

Built to protect every dollar.

Bank-grade infrastructure with modern cryptography. Your money is insured, your data is encrypted, and you're in control.

FDIC insured up to $250k

Cash balances are held at FDIC-member partner banks, with coverage on every deposit — not just checking.

Crypto in cold storage

98% of customer crypto is held offline in geographically distributed cold wallets. The rest is insured against theft.

SOC 2 Type II certified

Independently audited controls for data security, availability, and confidentiality. Re-certified annually.

24/7 fraud monitoring

Every transaction is scored by our ML models in real time. If something looks off, we freeze it and call you.

Biometric + hardware keys

Face ID, passkeys, and optional hardware-key 2FA. Phishing-resistant logins, with no passwords to steal.

Regulated in all 50 states

Licensed money transmitter and a registered broker-dealer. Your rights and protections are the same as a major bank.

For everyone

Built for how you actually use money.

Individuals

Everyday banking that pays you to hold cash, with investing on the side.

  • 4.80% APY on cash, paid daily
  • Free P2P, ACH, and wire transfers
  • Round-up auto-invest
  • 2% cash-back Reserve Card

Investors

Deep markets and pro tools, without the pro-platform fees.

  • 300+ crypto assets, no spread tricks
  • 5,000+ US equities and ETFs
  • Staking and DeFi yields
  • Tax-lot tracking & 1099 export

Businesses

Treasury, payroll, and stablecoin rails — purpose-built for modern teams.

  • 5.10% APY on operating cash
  • Multi-user approvals & audit logs
  • Global USDC payouts in seconds
  • Quickbooks, Xero, Gusto sync
Explore FinTechCo for Business →
Available on iOS & Android

Your money, in your pocket.

Open an account in under 2 minutes. Scan to download and start earning today.

Net worth
$84,237.12
+ $1,284 (1.55%)
Checking
$8,240
Savings
$22,500
Invest
$34,810
Crypto
$18,687