Do I have to sell my assets to spend them?

No. Spending draws against the value of what you have locked, at a per-asset haircut, so you keep the position and repay the drawn balance over time instead of selling.

When can I get the card?

Gether is in a waitlist phase. Join the waitlist and we will email you when access opens where you live.

What stops me from spending more than my holdings are worth?

A health-factor guardrail declines any spend that would push your position past a safe threshold. You restore headroom by repaying the drawn balance or locking more of what you hold.

What can back my spending power?

Tokenized stocks, crypto, and cash (a USD stablecoin). Each one takes its own loan-to-value haircut, and what each is currently worth is shown in your account before you lock it.

There is no monthly fee. What a drawn balance costs is shown in your account before your first draw.

People and companies who hold positions they would rather not sell to pay for things. Gether is built for four classes of holding: stablecoins, major crypto, tokenized assets such as tokenized stocks, treasuries and funds, and Hyperliquid account balances.

Which assets count toward spending power today?

What each asset counts for is shown in the app before you add it. Today the collateral rail backs USDC; other assets are counted as the rail adds them, and no share is published for an asset the rail does not back.

tokenized assets

A share, as a token. Counted when the rail counts it.

A tokenized stock is a token that tracks a share, issued by a third party. It can back spending power the way any priced position can. Today, none is backed by the rail Gether uses.

What it is, what it is not, what we count.

What a tokenized stock is: A token on a network whose price is meant to track a listed share. A third-party issuer holds the share, or an instrument on it, and issues the token against that holding. You hold the token; the issuer holds the share.
Who issues them: Regulated or licensed issuers, not the companies whose shares they track. An issuer buys the underlying shares or an instrument on them, holds them with a custodian, and issues tokens against that holding on one or more networks. The issuer's terms, disclosures and jurisdiction govern the token, and they differ from one issuer to the next. This site names no issuer until the rail backs one of its tokens.
What a token does and does not confer: It confers exposure to the price of the share, on the issuer's terms. It does not make you a shareholder: no vote, no direct dividend, no right against the company, unless the issuer says otherwise in its own documents. What you hold is a claim on the issuer, and if the issuer fails the token can fail with it. The token can also trade away from the price of the share it tracks.
Jurisdiction and access: Whether you can hold a given token depends on where you are and on the issuer. Some issuers exclude residents of particular countries outright; some require identity checks before a token can be redeemed. Gether does not change that: a token you cannot lawfully hold is not one you can lock here.
Why it can back spending power: It is a position with a price that can be read and a form that can be locked. Like any locked position it can be valued, take a haircut, and count for a share of its value. Because a single stock moves more than cash or a large crypto asset, its haircut is the largest of any kind of asset, and a treasury or fund token would take its own. Tokenized treasuries and funds are the same instrument with a different underlying, and the same three questions apply: who issues it, what it confers, and where you may hold it.
What Gether counts today: No tokenized equity is backed by the collateral rail today, so none is counted and no share is printed for one anywhere on this site. Tokenized stocks are supported as the rail adds them. This page names no ticker and no issuer until one is backed, and the shares that are counted are rendered from the engine.What counts today, from the engine
When it is counted: It will be valued with the rest of your holdings, counted after its haircut, and subject to the same guardrail. A fall in its price is a fall in your spending power, and a position that stays past the guardrail can be sold to cover what was drawn.How we operate

The last station is drawn as an outline on purpose. No share is printed for an asset the rail does not lend against.

the index

What is in our index.

The index is the list of assets Gether can price and show in the account. Being in the index is not the same as being counted.

There are 1,500+ assets in our index: tokenized stocks, tokenized treasuries and funds, major crypto assets and dollar stablecoins, each with a price the account can read. An asset in the index can be looked up and held. Whether it counts toward spending power, and for what share of its value, is a separate fact about the collateral rail, shown in the account before you lock anything.

What counts today, from the engine

crypto

Crypto, the same way.

A crypto asset is a position with a price, like a tokenized share, and it is counted the same way.

Major crypto assets are in the index and can be held in the account. When the rail backs one, it is valued, takes its own haircut, and counts for a share of its value; a fall in its price is a fall in your spending power. Which crypto assets are counted, and at what share, is shown in the account and is set by the rail, not by this page.

How cash is held

Join the waitlist.

We email you once, when access opens. Which assets count, and at what share, is shown in the account before you lock anything.

Join the waitlist Stablecoins