Platforms — Library
Twenty-three retail consumer finance platforms categorized by function: on-ramp, yield venue, redundancy, growth layer. Categorization is framework-first, not brand-first.
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Coinbase
on-ramp — Publicly-listed US exchange used primarily as a fiat on-ramp into major crypto assets and stablecoins.
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Kraken
on-ramp — Long-running US exchange with a broad asset menu and Wyoming SPDI charter; common second on-ramp.
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Binance.US
on-ramp — US-facing crypto exchange operated by BAM Trading Services; available only in selected states.
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Wise
on-ramp — Multi-currency account and cross-border money mover; used as a fiat rail and a non-USD cash holder.
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Acorns
yield venue — Round-up micro-investing app with optional banking, IRA, and family/kids features in one subscription.
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Betterment
yield venue — Robo-advisor with managed portfolios plus a Cash Reserve sweep into FDIC program banks.
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Wealthfront
yield venue — Robo-advisor with managed portfolios plus a Cash Account that sweeps to FDIC program banks with high coverage limits.
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Empower (Personal Capital)
yield venue — Advisory and wealth-management platform with a brokerage arm and Personal Cash high-yield account.
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M1 Finance
yield venue — Pie-based self-directed brokerage with an integrated High-Yield Cash Account and optional borrow product.
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SoFi Invest
yield venue — Brokerage arm of SoFi offering self-directed investing, a Robo Investing product, and integration with SoFi banking.
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Stash
yield venue — Subscription-based investing app with fractional shares, Stock-Back card rewards, and a low-yield cash sweep.
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Public.com
yield venue — Brokerage offering stocks, ETFs, Treasuries, corporate bonds, options, and a High-Yield Cash Account.
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Fundrise
yield venue — Private real-estate investment platform offering eREITs, an eFund, and a private-credit product.
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Arrived
yield venue — Fractional single-family rental and private-credit platform with Regulation A offerings.
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Groundfloor
yield venue — Real-estate debt platform offering short-term notes backed by residential renovation and construction loans.
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Marcus by Goldman Sachs
redundancy — Online savings and CD platform from Goldman Sachs Bank USA; pure FDIC-insured deposit product.
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Ally Invest
redundancy — Mature US brokerage tied to Ally Bank; self-directed and robo arms with strong banking integration.
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Robinhood
growth layer — Mobile-first brokerage with options, crypto, IRAs, and a cash-yield program for Gold members.
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eToro
growth layer — Multi-asset brokerage best known for social/copy trading and a crypto-friendly menu in the US.
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GoMining
growth layer — Tokenized Bitcoin mining platform with NFT 'digital miners', Simple Earn product, and veGOMINING staking.
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Atlas Earth
growth layer — Mobile geo-game that pays virtual rent on parcels of real-world land, redeemable for cash back at thresholds.
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Brave Browser (BAT rewards)
growth layer — Privacy-focused browser that pays BAT (Basic Attention Token) for opting into Brave Ads, with monthly payouts.
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TreasuryDirect.gov
redundancy — The US Treasury's direct-from-government retail portal for buying T-bills, T-notes, T-bonds, TIPS, and Series I/EE savings bonds with zero fees and no broker.