Question 1

How does using stocks for everyday spending work?

Accepted Answer

Using stocks for everyday spending means your money stays invested until the moment you buy something. With Coinage, idle checking account cash is routed into diversified ETF portfolios called Nests. You set sell rules once (for example, sell when a position is up 5%, profit-only mode), and when those conditions are met Coinage sells automatically so the gain can offset an everyday spending category or recurring expense. You keep your cashback rewards plus the market return, and your portfolio keeps compounding on the rest.

Question 2

What is Coinage?

Accepted Answer

Coinage is a fintech app built on the philosophy that stocks — not cash — are the smartest primary currency for ordinary people. It connects to existing brokers like Robinhood, Webull, and Public, turns idle checking account money into diversified ETF portfolios called Nests, and uses automated sell rules to cover credit card spending from market gains. Coinage App LLC is an investment adviser registered with the U.S. Securities and Exchange Commission; general educational content and self-directed tools are not individualized investment advice. You set the rules, Coinage executes automatically.

Question 3

How does Coinage work?

Accepted Answer

Connect your brokerage account, create a Nest (custom ETF-like portfolio), set up recurring investments, link your credit card, and set sell rules. When your conditions are met, Coinage automatically sells based on your rules. Gains cover your spending while your portfolio keeps growing.

Question 4

What are Nests in Coinage?

Accepted Answer

Nests are custom ETF-like portfolios with precise percentage allocations. You pick stocks, set percentages, and invest on a recurring schedule. Nests support one-click rebalancing (replacing 20+ manual calculations on traditional platforms) and goal-based saving with progress bars.

Question 5

What is the Selling Autopilot in Coinage?

Accepted Answer

The Selling Autopilot is Coinage's core differentiator. You set rules once (e.g., sell when up 5%, profit-only mode). Coinage monitors the market and automatically sells when your conditions are met. Rule-based selling may help reduce emotionally driven investment decisions; DALBAR reports that in 2024 the average equity fund investor returned 16.54% against the S&P 500's 25.05%, a gap of 8.48 percentage points. Results will vary, and no rule-based strategy can eliminate behavioral or investment risk.

Question 6

Why should I invest instead of keeping money in a checking account?

Accepted Answer

Average checking accounts pay 0.07% while inflation runs 2-4% annually. Every $10,000 in cash loses approximately $233/year in real purchasing power. Diversified ETF portfolios have historically returned 8-11% annually; past performance does not guarantee future results. Illustrative only: at an 8% assumed annual return, $20/week models to $15,857 after 10 years against $10,400 in a checking account, and a $30,217 difference after 20 years. Not a forecast or a guarantee. Real results will differ and may be negative.

Question 7

How much money can I make investing $20 a week?

Accepted Answer

Illustrative only: 8% assumed annual return. Not a forecast or a guarantee, and not actual client performance. Under it, $20/week models to $1,079 after 1 year ($5.40/month in dividends), $6,366 after 5 years, $15,857 after 10 years, and $51,017 after 20 years, against $20,800 held in a checking account. Real results will differ, may be negative, and vary with fees, expenses, taxes and timing.

Question 8

How is Coinage different from Robinhood, M1 Finance, and eToro?

Accepted Answer

Coinage is the only investing app combining custom portfolio creation with precise allocations, one-click rebalancing, goal-based saving with progress tracking, and automated sell rules. M1 Finance has pies and rebalancing but no sell rules or goal tracking. Robinhood and Webull have no custom allocations or rebalancing. eToro auto-executes based on copying other traders without user-defined rules.

Question 9

How much does Coinage cost?

Accepted Answer

Coinage has a Free tier (one Nest, one goal, one linked bank, with spend tracking and spend matching included) and a Premium tier at $5.99/month (unlimited Nests, goals, and linked banks; automatic selling when you spend; subscription detection; separate rules per card).

Question 10

Is Coinage safe and secure?

Accepted Answer

Yes. Coinage uses AES-256-GCM encryption, Plaid for bank connections (your credentials never touch Coinage servers), SnapTrade for brokerage access (broker logins stay with your broker), Argon2id hashing for sessions, and follows GLBA-aligned security safeguards. Coinage App LLC is an investment adviser registered with the U.S. Securities and Exchange Commission and is not a broker-dealer. You can disconnect any linked account anytime.

Question 11

Which brokers does Coinage support?

Accepted Answer

Coinage supports major US brokerages through SnapTrade, including Robinhood, Webull, Public, Moomoo, and Tastytrade. Users bring their existing investments — Coinage never holds or has custody of funds.

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