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 is not a robo-advisor or RIA — it does not give 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), goal-based saving with progress bars, and social sharing so friends or followers can copy your strategy with one tap.

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. Research shows this eliminates the behavioral gap where average investors underperform the S&P 500 by 8.48 percentage points due to emotional decisions. A rule set in calm conditions binds your future emotional self.

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. Meanwhile, diversified ETF portfolios have historically returned 8-11% annually. At $20/week invested at 8%, after 10 years you'd have $15,857 vs $10,400 in a checking account — a gap of $5,457. After 20 years the gap grows to $30,217. Banks pay you nearly nothing while lending your deposits at 5-7%.

Question 7

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

Accepted Answer

At a moderate 8% annual return, $20/week grows to: $1,079 after 1 year ($5.40/month in dividends), $6,366 after 5 years ($31.83/month), $15,857 after 10 years ($79.28/month — enough to cover 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.

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, 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.

Question 9

How much does Coinage cost?

Accepted Answer

Coinage has a Free tier (1 Normal Nest, 1 Gold Nest, broker connection, manual trading, portfolio tracking) and a Premium tier at $5.99/month (unlimited Nests, selling automation, credit card linking, spend tracking, custom sell rules, smart asset selection).

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 is not a registered investment adviser or broker-dealer. You can disconnect any linked account anytime.

Question 11

Can I invest with friends on Coinage?

Accepted Answer

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.

Question 12

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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