Keep what you hold. Spend anyway.

One account, three kinds of holding, one card.

What you can bring

Tokenized stocks, crypto and cash, in four classes listed below. Each is valued, then counts for a share of its value after a haircut. What is left, added up, is your spending power.The rates and the haircut, explained ->

What happens when you tap

The charge is checked against your spending power and the health guardrail, then approved or declined. An approved charge is drawn against your collateral and your drawn balance rises by that amount. You repay it over time. Nothing is sold to fund the charge, and every position keeps the exposure you chose.

What it costs

A drawn balance carries a cost until it is repaid. The disclosure figure and every other cost, decided or not, are on one page.Pricing ->

Three controls, all yours

Freeze the card and every charge is declined until you unfreeze it. Set a daily spend limit in dollars, and change or remove it when you like. Close the card for good; a new one is issued with a new number if you want a card again. All three run from the account.About the card ->

When prices fall

Spending power moves with the market. If it falls far enough there is a warning first, then charges are declined, and only if the account is not cured is collateral sold to cover what was drawn.How we operate ->