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Stocks, Bonds, Crypto, & Options Investing App - Public.com





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- Assets
- Assets
- Stocks
- Crypto
- ETFs
- Options
- Bonds
- Custom Strategies
- Direct Indexing Build a custom, tax-optimized portfolio.
- Generated Assets New Turn any idea into an investable index.
- Trading API Program your trading with no commissions.
- Yield Accounts
- Bond Account 5.6% yield Lock in yield with regular interest payments.
- High-Yield Cash Account Earn 3.6% APY on your cash with no fees.
- Treasuries 3.83% yield Build a customizable ladder of US Treasuries.
- Account Types
- Margin Access the industry's lowest margin rates.
- Traditional & Roth IRAs Earn a 1% match on your annual contributions.
- Crypto IRAs Soon Trade crypto in a tax-advantaged retirement account.
- Trust Accounts Soon Secure your financial legacy and distribute wealth.
- Entity Accounts Soon Invest and manage assets for your business.
- Transfer your portfolio

Earn a 1% match when you transfer your investment portfolio to Public.
- Agentic
- Tools & Resources
- - Learn Browse our latest articles and investing resources.
- Bond Screener Explore over 10,000 bonds with our advanced screening tool.
- - Margin Rate Comparison Calculator Compare how much interest you could save with margin trading on Public.
- AI, Smart Automation, your investment co-pilot An experiment by Public bringing artificial intelligence to your investing experience.
- Transfer your portfolio

Earn a 1% match when you transfer your investment portfolio to Public.
- Company
- - About We exist to give people every opportunity to grow their wealth.
- Careers Join our team and help build the future of Public.
- Newsroom Access our media kit and a collection of our latest news.
- - Have questions? Reach out to us at support@public.com — we're here to help.
- Media Market news, live commentary, and analysis from industry experts.
- Transfer your portfolio

Earn a 1% match when you transfer your investment portfolio to Public.

- Log in
- Sign up

- Assets
- Assets
- Stocks
- Crypto
- ETFs
- Options
- Bonds
- Custom Strategies
- Direct Indexing Build a custom, tax-optimized portfolio.
- Generated Assets New Turn any idea into an investable index.
- Trading API Program your trading with no commissions.
- Yield Accounts
- Bond Account 5.6% yield Lock in yield with regular interest payments.
- High-Yield Cash Account Earn 3.6% APY on your cash with no fees.
- Treasuries 3.83% yield Build a customizable ladder of US Treasuries.
- Account Types
- Margin Access the industry's lowest margin rates.
- Traditional & Roth IRAs Earn a 1% match on your annual contributions.
- Crypto IRAs Soon Trade crypto in a tax-advantaged retirement account.
- Trust Accounts Soon Secure your financial legacy and distribute wealth.
- Entity Accounts Soon Invest and manage assets for your business.
- Transfer your portfolio

Earn a 1% match when you transfer your investment portfolio to Public.
- Agentic
- Tools & Resources
- - Learn Browse our latest articles and investing resources.
- Bond Screener Explore over 10,000 bonds with our advanced screening tool.
- - Margin Rate Comparison Calculator Compare how much interest you could save with margin trading on Public.
- AI, Smart Automation, your investment co-pilot An experiment by Public bringing artificial intelligence to your investing experience.
- Transfer your portfolio

Earn a 1% match when you transfer your investment portfolio to Public.
- Company
- - About We exist to give people every opportunity to grow their wealth.
- Careers Join our team and help build the future of Public.
- Newsroom Access our media kit and a collection of our latest news.
- - Have questions? Reach out to us at support@public.com — we're here to help.
- Media Market news, live commentary, and analysis from industry experts.
- Transfer your portfolio

Earn a 1% match when you transfer your investment portfolio to Public.

**Transfer your portfolio. Earn 1% uncapped.**
Move a brokerage account, IRA, or 401(k) to Public and get a 1% uncapped match.

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## Investing for those who take it seriously

- Multi-asset investing
- AI-powered analysis
- Trusted by millions

Get Started



### “Public earns high marks for ease-of-use and its investment selection—options traders will likely get excited about their PFOF rebate program.”

See public.com/disclosures for more info.

Explore our assets# Stocks

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Bonds

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Treasuries

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Options

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Crypto

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ETFs

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Bond Account

5.6% YIELD\*

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High-Yield Cash3.6% APY\*

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High-Yield Cash Account3.6% APY\*

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Treasury Account

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Direct Indexing

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IRAs

1% match

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Investment Plans

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## The new standard
for active trading

Disclosure

\*Options are risky and are not suitable for all investors. To learn more read the Options Disclosure Document. See terms & conditions for enrolling in Public’s options rebates at public.com/disclosures/rebate-terms.

### Trade options. Earn rebates.

Public is the only investing platform with options trading rebates. Earn $0.06–$0.18 per stock or ETF contract based on your monthly trading volume.

Learn more

Disclosure

\*Top and bottom of Public Investing’s range of margin rates either matches or is lower than the comparable rates of other leading US brokerages, as listed on their websites as of 8/27/25. Competitor rates subject to change. For this comparison, “leading US brokerages” are considered to be publicly traded brokerage firms or firms with significant brand recognition and a substantial market share. See Fee Schedule and margin rate disclosures below for additional details.

### The lowest margin rates. Period.

Now, you can increase your buying power on Public with a base margin rate of just 5.65%. That’s the lowest base rate among leading brokerages.

Learn more

Disclosure

The Public Individual API is for your own personal, non-commercial use. Unauthorized access is prohibited. You are responsible for all trades made via the API. public.com/disclosures/individual-API-program

### Access our API for programmatic trading

With the Public API, you can tap into real-time market data and automate your trading—all while earning rebates on your stock and ETF options contracts.

Learn more

## Five nerdy features you’ll love.
(Discover many more in the app.)



Key Moments

Discover the reasons behind every major stock price movement with detailed, AI-generated summaries embedded right on the asset’s performance chart.

Learn more

Income Hub

View a monthly breakdown of your earnings from every income-generating asset you own. Plus, see a forecast of your earnings for the year ahead.

Learn more

Direct Indexing

Take advantage of tax-loss harvesting with direct indexing on Public. Choose from 100+ customizable indices and get started with as little as $1,000.

Learn more

Earnings Hub

Access AI-generated earnings recaps, company KPIs, investor presentations, and the actual audio of the earnings call—all without leaving Public.

Learn more

Queue

Tee up all your equities and options trades in one place, make real-time edits with live price data, and place multiple orders in a single move.

Learn more

Key Moments

Discover the reasons behind every major stock price movement with detailed, AI-generated summaries embedded right on the asset’s performance chart.

Learn more

Income Hub

View a monthly breakdown of your earnings from every income-generating asset you own. Plus, see a forecast of your earnings for the year ahead.

Learn more

Direct Indexing

Take advantage of tax-loss harvesting with direct indexing on Public. Choose from 100+ customizable indices and get started with as little as $1,000.

Learn more

Earnings Hub

Access AI-generated earnings recaps, company KPIs, investor presentations, and the actual audio of the earnings call—all without leaving Public.

Learn more

Queue

Tee up all your equities and options trades in one place, make real-time edits with live price data, and place multiple orders in a single move.

Learn more

### And up to $250,000
in instant buying power

Take advantage of every investment opportunity by making moves without waiting for funds to settle

Varies by account.

## Make AI-powered
investment decisions

AI is more than a feature on Public—it's woven throughout your entire experience. Access real-time alerts and investing insights you can actually use.

- Learn exactly why a stock is trading up or down.
- Get an AI-generated recap of any earnings call.
- Ask any question about any stock you care about.

Learn more

Alpha Disclosure

\*Alpha is an experiment brought to you by Public Holdings, Inc. (“Public”). Alpha is an artificial intelligence investment exploration tool powered by GPT-4, a generative large language model offered by OpenAI. Given that Alpha is an experimental technology, it may sometimes give inaccurate or inappropriate information. Any output generated by Alpha is not and should not be construed as investment research, investment advice, or a recommendation to buy or sell a security, nor should any output serve as the basis for any investment decisions. Alpha output is provided “as is” and Public makes no representations or warranties with respect to the accuracy, completeness, quality, timeliness, or any other characteristic of Alpha output. We strongly recommend that you independently evaluate and verify the accuracy of any Alpha output for your use case. Learn more at public.com/disclosures.

Generated Assets Beta## Turn any idea into an
investable index

Have an idea for an investment? Our AI will conduct a multi-factor analysis across thousands of assets to build you an index based on any prompt.

Disclosure

Generated Assets is an interactive analysis tool brought to you by Public Holdings, Inc. (“Public”). Using Generated Assets, you search for stocks and ETFs with the assistance of AI, create a portfolio, and compare key metrics for that portfolio against the benchmark S&P 500. You cannot invest via this website; this information is provided for educational purposes only. By using this tool, you agree to the Generated Assets User Agreement and Acceptable Use Policy.

Account Benefits## As your account value grows,
so does your experience on Public

Core

#### $1+account value

- Multi-asset investing
- Industry-leading yields
- AI-powered analysis

Premium

#### $50,000+account value

- Free extended-hours trading
- Free Investment Plans
- Priority support

Concierge

#### $500,000+account value

- White-glove VIP support
- Personalized offers
- Exclusive invites

Sign up

## Secure by design.
Transparent by choice.

#### Regulated in the US

Brokerage services for US-listed, registered securities are offered through Public Investing, Inc., a registered broker-dealer and FINRA/SIPC member.

#### Insurance coverage

SIPC protects the cash and securities in your portfolio up to $500,000. FDIC provides up to $5 million in protection for your High-Yield Cash Account.



#### Financial-grade security

We secure your data on Public with AES 256-bit encryption and the latest TLS protocols, ensuring your information stays protected at all times.

#### Headquartered in New York

Public is based in New York, with a customer support team here in the US. Our mission is to give people every opportunity to grow their wealth.

Learn more

#### Fee transparency

Our straightforward fee structure can help you understand exactly what things cost—and what our incentives are as a business.

Learn about fees on Public

#### 99.994% uptime

Our reliable platform achieves 99.994% uptime, keeping you connected to the markets whenever you need, so you never miss an opportunity to invest.

Based on calendar year 2024

## We’re here to help.
Not upsell.

- US-BASED
- REGISTERED
- ACTUALLY CARES

Our award-winning customer support team of financial representatives is here to help you with everything from transferring a portfolio to understanding your account features.

## Get a dedicated account manager.
One you’ll actually know by name.

- White-glove, dedicated support
- Exclusive invitations and events
- Available to members with $500K+ account balance

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## Public concierge
### Contact your concierge team

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## Public is an official partner of the Aston Martin Aramco F1® Team

Public members have opportunities to access exclusive race experiences.

## Get a 1% match
when you transfer
Sign up

### Products

- Stocks
- ETFs
- Crypto
- Options
- Margin
- Bonds
- Direct Indexing
- Treasuries
- High-Yield Cash Account
- Premium
- Alpha

### Resources

- About Us
- Learn
- Careers
- Public’s Fee Schedule

### Quick Links

- Investment Themes
- Investing Glossary
- Fixed Income Glossary
- Options Trading Glossary
- Transfer your Portfolio
- Treasury Yield Curve
- Margin Rate Comparison Calculator
- High Yield Savings Calculator

### Contact Us

HelpFAQsupport@public.compress@public.com

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Check the background of this firm on FINRA’s BrokerCheck.

Open to the Public Investing, Inc. Customer Relationship Summary.

- Disclosures
- Privacy Policy
- Your Privacy Choices
- Terms of Service
- Fractional Shares Disclosure
- Markets
- Stocks Directory
- ETFs Directory
- Options Chain
- Bitcoin ETP Options
- How to buy Crypto
- Buy T-bills

© Copyright 2025 Public Holdings, Inc. All Rights Reserved.

**All investments** involve the risk of loss and the past performance of a security does not guarantee future results or returns. This material is not intended as a recommendation, offer, or solicitation to purchase or sell securities, open a brokerage account, or engage in any investment strategy. Any reference to securities on this website is for informational and illustrative purposes only, and should not be construed as investment or tax advice.

**PUBLIC ADVISORS LLC**

**General**. Investment advisory services are provided by Public Advisors LLC (“Public Advisors”), an SEC-registered investment adviser, and brokerage services are provided by Open to the Public Investing, Inc. (“Public Investing”), member FINRA / SIPC. Public Advisors and Public Investing are affiliates, and both charge fees for their respective services. Before investing, consider your investment objectives, all fees and expenses, and any potential conflicts of interest. For more details, see Public Advisors’ Firm Brochure, Form CRS, and Fee Schedule.

**Generated Assets Accounts**. Generated Assets (“GenA”) is an AI-powered interactive analysis tool that allows you to screen for securities based on objective criteria entered through a natural language interface. Output from GenA is generated at your direction and is intended for informational purposes only. Output should not be considered individualized investment advice or recommendations. Public Advisors does not guarantee the accuracy, completeness, relevance, or timeliness of such output and will not be responsible for any losses that may result from your reliance on such information. See additional disclosures. You are solely responsible for deciding whether to invest in the GenA portfolio you have constructed through the tool. Before investing, please carefully consider whether it is suitable for you based on your investment objectives, risk tolerance, and other individual factors. If you elect to invest, then investment advisory services for your account (“Generated Assets Account”) will be provided by Public Advisors and brokerage services will be provided by Public Investing.

Backtests are an interactive analysis tool from Generated Assets that calculates how your specific selection of securities would have performed historically. Returns displayed by the backtest are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. For comparison purposes, the backtest may display performance of a benchmark index such as the S&P 500® over the same time period. Benchmark indices are unmanaged, it is not possible to invest directly in a benchmark index, and returns for benchmark indices do not account for fees. See additional disclosures.

**Direct Index Accounts**. Investment advisory services for Direct Index Accounts (“DI Accounts”) are provided by Public Advisors and brokerage services are provided by Public Investing. Your DI Account’s composition and performance may deviate from the benchmark index due to tracking error, market conditions, the frequency of rebalancing and tax loss harvesting, and any portfolio customizations. A $1,000 initial investment may only enable your DI Account to track some, but not all, of a benchmark index’s stocks. Indexes are not available for direct investment; therefore, their performance does not reflect the expenses associated with management of a DI Account. See additional disclosures.

**Tax-Loss Harvesting**. Tax-loss harvesting (“TLH”) will automatically occur whenever your DI Account rebalances or experiences a cash inflow or outflow. In order to opt out of TLH altogether, you must set your rebalancing schedule to “None.” The ability of TLH to reduce tax liability is not guaranteed and will depend on your entire tax and investment profile. The performance of replacement stocks purchased through TLH may be worse than the securities sold, and TLH may cause the composition and performance of your portfolio to deviate from the benchmark index. Learn more about additional TLH risks. Public Advisors does not provide tax advice or assume liability for tax consequences of client transactions.

**Treasury Accounts**. Investment advisory services for Treasury Accounts provided by Public Advisors and brokerage services provided by Public Investing. Public Advisors and Public Investing are affiliates, and both charge fees for their respective services. To learn more, see Public Advisors’ Form CRS, Firm Brochure, and Fee Schedule. Investing in US Treasuries securities involves risks, including interest rate risk, credit risk, and market risk. Early withdrawal or sale prior to maturity may result in a loss of principal or impact returns.

**OPEN TO THE PUBLIC INVESTING, INC.**.

**Securities, Options, and Bonds**. Self-directed brokerage accounts and brokerage services for US-listed, registered securities, options, and bonds (except for Treasuries offered through your Jiko Account) are offered to self-directed customers by Open to the Public Investing, Inc. (“Public Investing”), a registered broker-dealer and member of FINRA & SIPC.
Additional information about Public Investing can be found at our BrokerCheck. Apex Clearing Corporation (“Apex Clearing”) provides clearing and execution services.

**Options**. Options trading entails significant risk and is not appropriate for all investors. Please review the Characteristics and Risks of Standardized Options before considering any options strategy. Options investors can rapidly lose the value of their investment in a short period of time. Certain complex options strategies carry additional risk, including the potential for losses that exceed the original investment amount.
See Fee Schedule for options trading fees. To learn more about options rebates, see terms of the Options Rebate Program. Rebate rates range from $0.06-$0.18 and depend on the underlying security, whether the trade was placed via API, and your current and prior month’s options trading volume. Rates are subject to change.

**Margin Investing**. Margin Accounts are offered by Public Investing. Margin investing involves significant risk, including losses greater than your initial investment. You must repay margin debt regardless of the value of securities purchased. Public Investing may change its maintenance margin requirements at any time without prior notice, and if your account falls below the minimum requirements, Public may sell your securities without notice. Review Public’s
Margin Disclosure Statement, Margin Agreement, and Fee Schedule.

**High-Yield Cash Account**. A High-Yield Cash Account (“HYCA”) is a secondary brokerage account with Public Investing. Funds in your HYCA are automatically deposited into partner banks (“Partner Banks”), where that cash earns interest and is eligible for FDIC insurance. See here for a list of current Partner Banks. Your Annual Percentage Yield is variable and may change at the discretion of the Partner Banks or Public Investing. Apex Clearing and Public Investing receive administrative fees for operating this program, which reduce the amount of interest paid on swept cash. Neither Public Investing nor any of its affiliates is a bank. Learn more.

**Individual Retirement Accounts**. Self-directed individual retirement accounts are offered by Public Investing. Information about retirement accounts on Public is for educational purposes only and is not tax or investment advice. Visit the IRS website for more information on the limitations and tax benefits of Traditional and Roth IRAs. As part of the IRA Match Program Public Investing will fund a 1% match of all IRA transfers & 401(k) rollovers and all contributions (up to the annual contribution limit) made to your Public IRA. The matched funds must be kept in the account for at least 5 years to avoid an early removal fee. See full terms of the Program here. Rate and terms are subject to change at any time.

**Bonds**. Bond investing carries risk including the risk that you lose some or all of your investment. High Yield bonds carry greater risk of default. Fractional Bonds carry additional risks and are only available on Public. All yields and prices are subject to change without prior notice. Public Investing earns a fee on every bond trade. Learn more.

**Bond Accounts**. A Bond Account is a self-directed brokerage account with Public Investing. Deposits are used to purchase 10 investment-grade and high-yield bonds. Yields can change before purchase and are not guaranteed. Public Investing charges a markup on each bond trade. Read more about the risks associated with fixed income and fractional bonds. See Bond Account Disclosures to learn more.

**ETFs & ETPs**. Before investing in an ETF, read the prospectus for details on its objectives, risks, charges, expenses, and unique risk profile. Prospectuses are available on the issuer’s website. Past performance does not guarantee future results, and investment values may rise or fall. A spot bitcoin ETP is not registered under the Investment Company Act of 1940 or regulated under the Commodity Exchange Act. It may perform differently than owning bitcoin and is highly speculative, with risks including volatility, illiquidity, manipulation, and total loss. Investors have no rights as bitcoin holders or to redemption in bitcoin.

**Fractional Shares**. Fractional shares are illiquid outside of Public and not transferable. See our Fractional Share Disclosure to learn more.

**Investment Plans**. Investment Plans (“Plans”) shown in our marketplace are for informational purposes only and are meant as helpful starting points as you discover, research and create a Plan that meets your specific investing needs. Plans are self-directed purchases and are not investment recommendations. Plans are created using defined, objective criteria based on generally accepted investment theory; they are not based on your needs or risk profile. You are responsible for establishing and maintaining allocations among assets within your Plan. Plans involve continuous investments, regardless of market conditions. See Investment Plans Terms to learn more.

**PUBLIC HOLDINGS, INC.**

**Alpha**. Alpha is an experimental AI research tool from Public Holdings, Inc. It may produce inaccurate or inappropriate responses and is not investment research or a recommendation. All output is provided “as is,” without warranties, and use is at your own risk. Please independently verify any information before making decisions.

**Market Data**. Quotes and other market data for Public’s product offerings are obtained from third party sources believed to be reliable, but Public Holdings and its affiliates make no representation or warranty regarding the quality, accuracy, timeliness, and/or completeness of this information. Market data powered by Xignite.

**ZERO HASH LLC**

**Cryptocurrency**. Cryptocurrency services are provided by Zero Hash LLC through a software licensing agreement between Zero Hash LLC (“zerohash”) and Public Platform LLC. zerohash is not a registered broker-dealer or a member of SIPC or FINRA. Cryptocurrencies are not FDIC or SIPC insured. Zero Hash LLC is licensed to engage in virtual currency business activity and money transmission by the NYSDFS. Please ensure that you fully understand the risks involved before trading. See here for zerohash licenses and disclosures.

**JIKO SECURITIES, INC.**

**Jiko Accounts**. Jiko Securities, Inc. (“JSI”), a registered broker-dealer and member of FINRA & SIPC, provides accounts (“Jiko Accounts”) offering 6-month US Treasury Bills (“T-bills”). See JSI’s FINRA BrokerCheck, Form CRS, and U.S. Treasuries Risk Disclosures for further details. For the avoidance of doubt, a Jiko Account is different and separate from the Treasury Account offered by Public Advisors. Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value. Banking services and bank accounts are offered by Jiko Bank, a division of Mid-Central National Bank.

**INDEX PROVIDERS**

**S&P**. Any S&P index (“S&P Index”) referenced is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Public Holdings. S&P® and S&P 500® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Public Holdings. Public Advisors’ Direct Indexing products are not sponsored or, sold by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of any S&P Index.

**Solactive**. Solactive AG (“Solactive”) is the licensor of any “Solactive” index (“Solactive Index”) referenced. The financial instruments that are based on the Solactive Index are not sponsored, endorsed, promoted or sold by Solactive in any way and Solactive makes no express or implied representation, guarantee or assurance with regard to: (a) the advisability in investing in the financial instruments; (b) the quality, accuracy and/or completeness of the Index; and/or (c) the results obtained or to be obtained by any person or entity from the use of the Solactive Index. Solactive reserves the right to change the methods of calculation or publication with respect to the Index. Solactive shall not be liable for any damages suffered or incurred as a result of the use (or inability to use) of the Solactive Index.

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