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.

Coinbase

on-ramp — Publicly-listed US exchange used primarily as a fiat on-ramp into major crypto assets and stablecoins.
Kraken

on-ramp — Long-running US exchange with a broad asset menu and Wyoming SPDI charter; common second on-ramp.
Binance.US

on-ramp — US-facing crypto exchange operated by BAM Trading Services; available only in selected states.
Wise

on-ramp — Multi-currency account and cross-border money mover; used as a fiat rail and a non-USD cash holder.
Acorns

yield venue — Round-up micro-investing app with optional banking, IRA, and family/kids features in one subscription.
Betterment

yield venue — Robo-advisor with managed portfolios plus a Cash Reserve sweep into FDIC program banks.
Wealthfront

yield venue — Robo-advisor with managed portfolios plus a Cash Account that sweeps to FDIC program banks with high coverage limits.
Empower (Personal Capital)

yield venue — Advisory and wealth-management platform with a brokerage arm and Personal Cash high-yield account.
M1 Finance

yield venue — Pie-based self-directed brokerage with an integrated High-Yield Cash Account and optional borrow product.
SoFi Invest

yield venue — Brokerage arm of SoFi offering self-directed investing, a Robo Investing product, and integration with SoFi banking.
Stash

yield venue — Subscription-based investing app with fractional shares, Stock-Back card rewards, and a low-yield cash sweep.
Public.com

yield venue — Brokerage offering stocks, ETFs, Treasuries, corporate bonds, options, and a High-Yield Cash Account.
Fundrise

yield venue — Private real-estate investment platform offering eREITs, an eFund, and a private-credit product.
Arrived

yield venue — Fractional single-family rental and private-credit platform with Regulation A offerings.
Groundfloor

yield venue — Real-estate debt platform offering short-term notes backed by residential renovation and construction loans.
Marcus by Goldman Sachs

redundancy — Online savings and CD platform from Goldman Sachs Bank USA; pure FDIC-insured deposit product.
Ally Invest

redundancy — Mature US brokerage tied to Ally Bank; self-directed and robo arms with strong banking integration.
Robinhood

growth layer — Mobile-first brokerage with options, crypto, IRAs, and a cash-yield program for Gold members.
eToro

growth layer — Multi-asset brokerage best known for social/copy trading and a crypto-friendly menu in the US.
GoMining

growth layer — Tokenized Bitcoin mining platform with NFT 'digital miners', Simple Earn product, and veGOMINING staking.
Atlas Earth

growth layer — Mobile geo-game that pays virtual rent on parcels of real-world land, redeemable for cash back at thresholds.
Brave Browser (BAT rewards)

growth layer — Privacy-focused browser that pays BAT (Basic Attention Token) for opting into Brave Ads, with monthly payouts.
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.

Platforms — Library

Coinbase

Kraken

Binance.US

Wise

Acorns

Betterment

Wealthfront

Empower (Personal Capital)

M1 Finance

SoFi Invest

Stash

Public.com

Fundrise

Arrived

Groundfloor

Marcus by Goldman Sachs

Ally Invest

Robinhood

eToro

GoMining

Atlas Earth

Brave Browser (BAT rewards)

TreasuryDirect.gov

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