Coinage

What it does

Money you plan to spend sits in checking, earning nothing. Coinage is built on one belief: every dollar should be working until the second it's spent. Invest in diversified ETF portfolios called Nests, set a rule like "sell my gains at 5% toward my spending," and live your life. Coinage handles the selling automatically. Spend Match works in reverse: everyday purchases trigger small new investments. Invested and ready to spend, both at once.

Every account you own is either ready or earning, never both. Coinage is both: your money stays invested and stays ready to spend when you need it. Keep your card, keep your points, and let the gains go toward the bill.

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