New money for a new world.
Every account you own is either ready or earning, never both. Coinage is both: your money earns while it waits, and it's there when you need it.
What Coinage does differently
Your money could be earning
In this illustration, $3,500 a month over a year earns $96 in checking. Invested, about $1,979.
Keep your card. Keep your points.
Amex, Chase, whatever is in your wallet: you keep swiping it, and every point, mile, and cashback stays yours.
It runs itself
Set it up once. When you spend, Coinage sells for you and the gains go toward the bill.
Illustrative only: 10% assumed annual return, the S&P 500's long-run average since 1957. Not a forecast or a guarantee. Real results will differ and you can lose money.
Money deserves better than standing still.
What $100 could earn in a year, everywhere it might live. In that same year, prices go up about $3.40.
Illustrative only: 10% assumed annual return, the S&P 500's long-run average since 1957. Not a forecast or a guarantee. Real results will differ and you can lose money.
Sources: FDIC national rates, 2026; published APYs from Betterment, Wealthfront and Robinhood, early 2026; BLS CPI-U, 12-month, July 2026; S&P 500 total return ~10.4% annualized (Fidelity, officialdata.org).
That $1,979, spent on you.
Your money keeps working right up to the day you spend it. Nothing waits in checking. What a year of gains could go toward is shown below, under the assumptions in this illustration.
Illustrative only: 10% assumed annual return, the S&P 500's long-run average since 1957. Not a forecast or a guarantee. Gains could cover some, all, or none of these costs, and you can lose money.
Goal Nests
A goal. A finish line.
Concert tickets, a wedding, a down payment: give the dream a name and a date, and your money works toward it. No loans, no waiting for someday.
And a lot more.
Custom Nests
Baskets of stocks around any theme you love, weighted your way.
Spend Match
Purchases add a matching slice to a nest, automatically.
Sells only investment gains when the conditions you set are met. Your selected rule can be changed or paused at any time.
Sells the money you put in too.
Sell rules
Guardrails you choose. Nothing sells at a loss unless you say so.
Spend tracking
Every purchase tracked, and what your gains covered.
Recurring investing
Invest on repeat, so it never depends on remembering.
Custom Nests
Baskets of stocks around any theme you love, weighted your way.
Spend Match
Purchases add a matching slice to a nest, automatically.
Sells only investment gains when the conditions you set are met. Your selected rule can be changed or paused at any time.
Sells the money you put in too.
Sell rules
Guardrails you choose. Nothing sells at a loss unless you say so.
Spend tracking
Every purchase tracked, and what your gains covered.
Recurring investing
Invest on repeat, so it never depends on remembering.
Your money lives at regulated brokerages. Never with us.
Coinage is not a broker and never holds your money. Every brokerage we support is a regulated U.S. firm and a SIPC member. SIPC protection is not insurance against market loss.
Your card connects through Plaid and Coinage only reads spending. Your bank login never touches us.
Everything about your money is encrypted, moving and at rest.
One tap stops the whole thing. Nothing runs without you.
Securities and cash held at a SIPC-member brokerage may be eligible for SIPC protection up to $500,000, including a $250,000 limit for cash. SIPC protection applies if a SIPC-member brokerage fails and customer assets are missing. SIPC does not protect against market losses or declines in investment value.
Two prices. One is zero.
Start investing what waits.
The loop this page describes.
Cancel anytime. Full plan details →
The real questions
What happens when the market falls?+
Nothing sells at a loss unless you choose to. In down stretches your money simply stays invested while you cover things the normal way. In a down year it can be worth less than what you put in. That risk is the price of the growth, and it is real.
Is my money stuck?+
No. It stays yours and stays ready. When you spend, Coinage sells by your rule and the money is on its way. Nothing is locked to retirement age.
Do I lose my credit card points?+
No. You keep using the card you already have, and every point, mile, and dollar of cashback stays yours. Coinage connects your card read-only through Plaid and works behind the statement, selling by your rule so gains go toward the bill.
Why not just leave it in a high-yield savings account?+
The best cash accounts pay about what inflation runs. Your balance grows on screen while its buying power stands still. Over the long run, ownership of diversified funds has outrun cash.
Do I have to pick stocks?+
No. Money goes to work in broad, diversified funds. There are no tickers to pick and no charts to watch, unless you want them: custom Nests exist for people who do.
The numbers on this page are illustrations, not promises. Illustrative only: 10% assumed annual return, the S&P 500's long-run average since 1957. Not a forecast or a guarantee. Real results will differ and you can lose money. They do not reflect actual client performance, and results vary with market conditions, fees, expenses, taxes, investment selections and timing.
Checking and savings rates are FDIC national averages; high-yield rates are published APYs from Betterment, Wealthfront, and Robinhood. Spending figures are U.S. averages.
A Coinage balance earns what the market earns. Investments can lose value, are not bank deposits, and are not FDIC-insured. Investors may lose money.
Securities and cash held at a SIPC-member brokerage may be eligible for SIPC protection up to $500,000, including a $250,000 limit for cash. SIPC protection applies if a SIPC-member brokerage fails and customer assets are missing. SIPC does not protect against market losses or declines in investment value.
Card logos are their owners' trademarks.
Coinage App LLC is an investment adviser registered with the U.S. Securities and Exchange Commission, and is not a broker-dealer. Brokerage accounts are held at the brokerage you connect, and orders are executed by that brokerage, not by Coinage. Every brokerage Coinage supports is a member of FINRA and SIPC; SIPC protects against the failure of a brokerage, not against market loss.