Coinage is a fintech app built on the philosophy that stocks, not cash, are the smartest primary currency for ordinary people. It connects to your existing brokerage account and credit cards, 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 is not a robo-advisor or RIA. It does not give investment advice. You set the rules, Coinage executes automatically.

You set sell rules once. For example, sell when I'm up 5% or profit-only mode. Coinage monitors the market and automatically sells when your conditions are met. A rule set in calm conditions binds your future emotional self. Research shows this approach eliminates the behavioral gap where average investors underperform the S&P 500 by 8.48 percentage points due to emotional decisions (DALBAR 2024 data).

Nests are custom ETF-like portfolios you build yourself. Pick stocks, set precise percentage allocations, and invest on a recurring schedule to dollar-cost average. One-click rebalancing replaces the 20+ manual calculations and 8-12 individual trades required on traditional platforms. You can also create Goal Nests with a target amount and deadline (e.g., a wedding fund, vacation, or car purchase). Nests can be shared with friends or made public for others to copy with one tap.

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, an invisible monthly fee of $19.42. Banks pay you nearly nothing while lending your deposits at 5-7%. Meanwhile, diversified ETF portfolios have historically returned 8-11% annually. Economist Thomas Piketty showed that when the return on capital exceeds wage growth (r > g), asset owners compound wealth while wage earners fall behind. The only way to change that math is to have investments of your own.

At a moderate 8% annual return, $20/week grows to $1,079 after 1 year ($5.40/month in dividends, covers Spotify), $6,366 after 5 years ($31.83/month, covers Netflix + Spotify + coffees), $15,857 after 10 years ($79.28/month, covers a phone bill), and $51,017 after 20 years ($255/month, a car payment chunk). The same $20/week in a checking account would be just $20,800 after 20 years. The gap: $30,217.

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

Coinage is free to start with 1 Normal Nest, 1 Gold Nest, broker connection, manual trading, and portfolio tracking. Premium is $5.99/month and unlocks unlimited Nests, selling automation, credit card linking, spend tracking, and custom sell rules.

Yes. Coinage uses AES-256-GCM encryption, Plaid for secure bank connections, and SnapTrade for brokerage access. Your credentials never touch Coinage servers. Session secrets use Argon2id hashing, and all practices are GLBA-aligned. Coinage is not a registered investment adviser, broker-dealer, or financial planner. You can disconnect any linked account at any time.

Coinage is the only investing app combining custom portfolio creation, one-click rebalancing, goal-based saving with progress tracking, automated sell rules, and social sharing. M1 Finance has pies and rebalancing but no social layer, sell rules, or goal tracking. Robinhood and Webull have no custom allocations or rebalancing. eToro has social copying but auto-executes based on copying other traders without user-defined rules. Public.com sunsetted social features entirely in June 2025.

Yes. Create a Nest and share it with friends, family, or make it public. Followers copy with one tap and customize. Trades execute based on each user's own rules, solving the regulatory problems that shut down social investing at other platforms. Social influencers can create public Nests for their audience to follow.

A Goal Nest is a Nest with a target dollar amount and a deadline. For example, create a Goal Nest called "Tokyo 2027", set a $3,000 target, and invest toward it weekly. Research shows named savings goals increase savings by 72%. Coinage tracks your progress with a visual progress bar and, when you reach your goal, sells the holdings so you can use the money.