By using this website, you accept our Terms of Use and Privacy Policy and acknowledge receipt of all disclosures and agreements available in our Disclosures and Agreements Library section.

Invest, Stocks, and Crypto Disclosures

Investment advisory services are provided by Dollarize, Inc. (“Dollarize”), an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”) (CRD# 305285). Registration with the SEC does not imply a certain level of skill or training. The information on this website has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Dollarize only provides investment advisory services with respect to investment accounts designated to its management (“Investment Accounts”), subject to Dollarize’s acceptance of a written investment advisory agreement. You cannot maintain free credit balances in your Investment Account. Certain of the services offered through the Platform are provided by Dollarize’s affiliates, including (but not limited) to Dollarize Financial Inc. (“Dollarize Financial”) or independent third-parties, including (but not limited to) Circle Internet Financial, LLC (“Circle”) and Nexo Financial LLC (“Nexo Financial”).

Brokerage and custodial services for Investment Accounts are provided by Alpaca Securities, LLC (“Alpaca Securities”), an SEC registered broker-dealer and member of The Financial Industry Regulatory Authority, Inc. (“FINRA”) and member of the Securities Investor Protection Corporation (“SIPC”). SIPC protects client accounts against the loss of their securities in the event of the member’s insolvency and liquidation by replacing missing securities and cash up to a maximum of $500,000 per client, including $250,000 for claims for cash. SIPC does not protect you against losses from changes in the market values of your investments. For more information on SIPC coverage, please see the explanatory brochure available at www.sipc.org, or contact SIPC at 202-371-8300. Trading services for cryptocurrency are provided by Alpaca Crypto, LLC (“Alpaca Crypto”). Alpaca Crypto is not a member of SIPC. Alpaca Securities and Alpaca Crypto (collectively, “Alpaca”) are not affiliated with Dollarize or Dollarize Financial. Alpaca does not make recommendations or offer investment, financial, legal or tax advice.

Investing involves risk, including the possible loss of principal. Past performance is not a guarantee or indicative of future returns. The value of your investments will fluctuate. There is no assurance that any hypothetical or actual performances displayed on the platform will lead to the expected results shown. Before investing, consider your financial goals and the costs of using the platform. Keep in mind that while diversification may help spread risk, it does not assure a profit or protect against loss. There is always the potential of losing money when you invest in securities or other financial products, including cryptocurrency. Investors should consider their investment objectives and risks carefully before investing. The price of a given security may increase or decrease based on market conditions and customers may lose money, including their original investment.

Investors should carefully consider the investment objectives, risks, and charges and expenses of a mutual fund or an Exchange Traded Fund (“ETF”) before investing. Contact us by submitting a for a prospectus in the Help Center, offering circular or, if available, a summary prospectus containing this information. Please read it carefully. ETFs are subject to market fluctuation and the risks inherent in their underlying investments. ETFs are subject to management fees and other expenses. Unlike mutual funds, ETF shares are bought and sold at market price, which may be higher or lower than their net asset value (“NAV”), and are not individually redeemed from the fund. Investment returns will fluctuate and are subject to market volatility, such that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. ETFs are subject to risks similar to those of stocks. Some specialized ETFs can be subject to additional market risks. Leveraged and inverse exchange traded products are not designed for buy and hold investors or investors who do not intend to manage their investment on a daily basis.

These products are for sophisticated investors who understand their risks (including the effect of daily compounding of leveraged investment results), and, who intend to actively monitor and manage their investments on a daily basis. You may be charged, and should be prepared to bear the costs of other fees and expenses, such as: (1) Fees charged by Dollarize Financial when making deposits and withdrawals; and (2) Fees charged by the ETFs when buying them in your Investment Account.

Digital Dollars, Interest, and Payments Disclosures

The Digital Dollar Account is provided by Circle. By entering into the Dollarize Financial, Inc. Customer Agreement, you understand that you are instructing Dollarize Financial to establish a Digital Dollar Account with Circle on your behalf. You understand that you are not able to hold United States Dollars in your Digital Dollar Account, but rather are only be able to hold USDC (as further detailed below). Various funds transfer functionalities are provided by Dollarize Financial. Dollarize Financial is registered as a Money Service Business with the Financial Crimes Enforcement Network (“FinCEN”), a bureau of the United States Department of the Treasury (MSB Registration Number: 31000186033948).

You understand that while you may initiate United States Dollar (“USD”) deposits into, or withdrawals out of, your Digital Dollar Account, all balances are maintained in the form of certain USD-collateralized stablecoin developed by the CENTRE Consortium (“USDC”). USDC and cryptocurrency more generally are subject to a number of risks. Cryptocurrency markets are not regulated with the same controls of customer protections available with other forms of financial products and are subject to an evolving regulatory environment. Cryptocurrency does not typically have legal tender status and is not covered by deposit protection insurance. Cryptocurrencies are not stocks and your cryptocurrency investments are not protected by either FDIC or SIPC. Please see the Dollarize Financial, Inc. Customer Agreement for more details.

Devaluation protection refers only to the potential loss of value in local currencies as compared to the loss of the value of the United States dollar. Past performance is not a guarantee of future results.

To earn interest on Digital Dollars through the Platform, USDC is moved from a client’s Digital Dollar Account to a Nexo Financial account (“Nexo Account”) holding only Dollarize clients’ USDC tokens held in Dollarize’s name as agent or trustee. Interest is paid on the USDC in the Nexo Account by Nexo Financial, not by Dollarize or Dollarize Financial. Neither Dollarize nor Dollarize Financial receive compensation related to the Interest being paid on USDC in the Nexo Account. Nexo Financial is registered as a Money Service Business with FinCEN (MSB Registration Number: 31000201460825).

Additional Disclosures

Our Privacy Policy addresses only our use and disclosure of information we collect from and/or about you on the Dollarize Platform. If you disclose information to Alpaca, the use and disclosure restrictions contained in the Privacy Policy will not apply to Alpaca. We do not control the privacy policy of Alpaca, and you are subject to the privacy policy where applicable. For more information on Alpaca’s Privacy Policy, please contact them at brokersupport@alpaca.markets.

The information provided on this website does not, and is not intended to, constitute legal advice. This information should be used for educational purposes only and should in no way be relied upon. Nothing on this website should be considered an offer, recommendation, solicitation of an offer, or advice to buy or sell any security. Dollarize relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information. This is not an offer, solicitation of an offer, or advice to buy or sell securities or cryptocurrencies, or open a brokerage account in any jurisdiction other than the United States. Please review the disclosure documents and legal agreements in order to better understand the risks of investing and potential conflicts of interest. Screenshots are for illustrative purposes only.

Dollarize reserves the right, in its sole discretion, to deny you access to the platform, or any portion of the platform, without notice or reason. Dollarize is not available in certain countries or for specific individuals, including those in Europe and those listed with the Office of Foreign Assets Control (OFAC).

Screenshots are for illustrative purposes only.