Unifimoney is the only multi-asset investment app that supports passive and active investing in thousands of stocks and ETFs as well as over 30 cryptocurrencies (including Bitcoin and Dogecoin) and precious metals (including gold and silver). Unifimoney has been created to provide people with a better way to manage their money. They offer a single solution that includes everything you need for everyday money management—to save, spend, and invest. They optimize your money management to make it effortless: maximize passive income via interest and cashback, and create long-term financial assets through automatic and default investments. Unifimoney makes your money work for you—not the bank.

Supporting both passive robo investing and commission-free trading, Unifimoney helps ensure your money is always working hard for you automatically and effortlessly while providing access to trade both traditional and alternative assets when you want. Unifimoney helps you automatically capture the small change that you lose everyday from low interest rates on your cash deposits, poor returns on credit cards, and the opportunity cost of not dollar cost averaging with frequent investments into a low cost diversified fund. It includes a unique money management capability featuring a hybrid high-interest checking account with a Visa debit card, remote check deposit, bill payment and checkbooks, and with a credit card coming soon paying rewards in your choice of Bitcoin, gold or equities.

Opening an account requires a minimum investment of just $100, and you can earn up to a $5,000 Bitcoin Reward depending on your deposit amount. Additional benefits include exclusive offers like student loan refinancing (up to $2,500 bonus), insurance, HSA, mortgages, auto loans, and more. 

Unifimoney is fee-free to those users who use it as their primary bank account and meet the minimum activity levels, which include a minimum direct deposit of $6k a month within 4 months of account opening (to give time to change salary payments, etc.). To keep costs low and to benefit users as a whole, they charge for accounts that are not being used the way they are intended. In the traditional banking model, the best customers are actually subsidizing the least active — Unifymoney thinks that’s unfair. They want their best users to benefit the most and inactive users to pay their own costs rather than being subsidized by others. They make a small amount on deposit interest, interchange, and investment fees.

They work with UMB Bank, one of the largest program administrators in the US (a program administrator is one that provides its services to other institutions as well as direct to consumers). Unifimoney is not a bank. To participate in the program, you must open an account at UMB Bank, n.a., Member FDIC, through which your funds will be placed in accounts at participating program banks. Your funds will be FDIC insured up to applicable limits while in transit through UMB Bank.  Customers are responsible for monitoring their total assets at each of the program banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. They also work with the leading white-label investment infrastructure company called Drivewealth. Drivewealth is member FINRA, SIPC, NFA. SOCII type 1, GDPR and CCPA compliant. Registered in all 50 U.S. states.