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System 13 — Global Diversified Stack

Wise, Ally Invest, M1 Finance, Fundrise, Arrived, and Binance.US. Multi-currency fiat rail, two brokerages, two real-estate venues, and a US crypto exchange.

Who this is for

Readers who want a fully built-out six-platform stack with every functional category represented and meaningful redundancy at the yield-venue layer.

System layers

  • On-ramp (fiat + crypto): Wise, Binance.US. Wise as the multi-currency fiat rail; Binance.US as the crypto on-ramp/staking venue where legally available.
  • Yield venue (brokerage): Ally Invest, M1 Finance. Two mature US brokerages with different account models and different parent companies.
  • Yield venue (real estate): Fundrise, Arrived. Two real-estate venues with different structures (diversified fund vs single property).

Cadence

Quarterly cross-platform review with a single rebalance event; monthly distribution and FX check.

Why it works

Six platforms across four functional categories. No single failure mode collapses more than one slot at a time.

What breaks it

Adding a seventh platform without dropping one. Beyond six platforms the cadence usually decays.