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The Modern Cash Account

Brookwell is a modern cash account that helps you earn more on your everyday money without giving up convenience. Join the waitlist.

Free on & off-ramps · Up to 5.5% APYon stablecoin holdings · up to $50M FDIC through Erebor Bank, N.A. · 150+ countries

No Brookwell fees on supported stablecoins - network fees may apply.

This is a variable rate account. The interest rate and annual percentage yield may change at any time and without prior notice.

Brookwell is a financial technology company, not an FDIC-insured bank. Banking services are provided by Erebor Bank, N.A., Member FDIC. FDIC deposit insurance protects funds only against the failure of an FDIC-insured bank; it does not protect against the failure of Brookwell. Deposits placed through Brookwell may be eligible for FDIC insurance up to applicable limits. FDIC insurance is subject to applicable requirements and limitations, including aggregation of deposits held at the same insured bank in the same ownership capacity. Stablecoins are not bank deposits, are not FDIC-insured, and may lose value. For complete terms, review the Consumer Deposit Account Agreement.

By joining, you agree to our Privacy Policy.

Stablecoin yield

Watch your capital compound effortlessly in real time.

Earn up to 5.5% APY in a non-custodial stablecoin wallet designed for sophisticated savers.

Stablecoins are not bank deposits, are not insured by the FDIC, and are not guaranteed by Erebor Bank, N.A. or any other financial institution. The value of a stablecoin depends on the reserves backing the stablecoin and may lose value. Stablecoin holdings are subject to different risks than FDIC-insured deposits. Yield is earned on stablecoin holdings through a third-party decentralized lending protocol and is currently up to 5.5% APY. This is a variable rate account. The interest rate and annual percentage yield may change at any time and without prior notice.

Free ramps

Move between stablecoins and cash for free.

Shift between stablecoins and USD quickly, fee-free. Rebalance between on and off-chain liquidity with ease.

Brookwell offers access to USDC, USDT, USAT, and similar U.S. dollar-pegged assets which are stablecoins. Stablecoins are not bank deposits, are not insured by the FDIC, and are not guaranteed by Erebor Bank, N.A. or any other financial institution. The value of a stablecoin depends on the reserves backing the stablecoin. Stablecoin holdings are subject to different risks than FDIC-insured deposits. Banking services, including FDIC-insured deposit accounts, are separately available through Erebor Bank, N.A., Member FDIC.

Precise money management

Direct every dollar without lifting a finger.

Route rent, utilities, and memberships via dedicated account numbers tailored for discretion. Banking services provided by Erebor Bank, N.A., Member FDIC.

  • Dedicated accounts per goal or spend category.
  • Issue dedicated account numbers to share only what each payee needs.
  • Full outflow controls with virtual cards mapped to custom budgets.

Brookwell is a financial technology company, not an FDIC-insured bank. Banking services and deposit accounts are provided by Erebor Bank, N.A., Member FDIC. FDIC deposit insurance covers the failure of an FDIC-insured bank and does not protect against the failure of Brookwell. Deposits may be eligible for FDIC insurance up to applicable limits. FDIC insurance is subject to applicable requirements and limitations, including aggregation of deposits held at the same insured bank in the same ownership capacity. Stablecoins are not FDIC-insured, are not bank deposits, and may lose value. Stablecoin holdings are subject to different risks than FDIC-insured deposits.

Borderless access

Banking for affluent global citizens.

Onboard from 150+ supported countries with built-in identity verification. No U.S. residency required. Banking services provided by Erebor Bank, N.A., Member FDIC. Brookwell is not a bank.

Elite global spending

Spend globally with unparalleled control.

Brookwell cards enable worldwide expenditure designed for modern money movement. From travel to daily indulgences, spend securely while your assets remain private.

  • Accepted worldwide.
  • Create instant virtual cards for subscriptions and one-off payments.

Brookwell is not a bank and does not issue cards directly.

Extended FDIC coverage

Up to $50M FDIC coverage available per account owner.

Your deposits may be eligible for up to $50M in FDICcoverage through Erebor Bank, N.A.'s sweep program, subject to network bank availability and applicable FDIC insurance requirements and limitations.

  • Eligible deposits can be placed at multiple FDIC-insured banks through Erebor Bank, N.A.'s sweep programs.
  • Coverage can scale automatically as your deposits grow.

Brookwell is a financial technology company, not an FDIC-insured bank. Banking services, including deposit accounts, are provided by Erebor Bank, N.A., Member FDIC. FDIC deposit insurance covers the failure of an FDIC-insured bank and does not protect against the failure or insolvency of Brookwell or any non-bank entity. Funds held in deposit accounts through the Erebor Bank platform may be eligible for FDIC insurance up to $250,000 per depositor, per insured bank, per ownership category. FDIC insurance is subject to applicable requirements and limitations, including aggregation of deposits held at the same insured bank in the same ownership capacity. For complete terms, review the Consumer Deposit Account Agreement.

FAQ

Questions, answered.

Getting Started

Funds & Transfers

Security & Compliance

Payments

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your cash?

Join thousands on the waitlist for a smarter way to save, spend, and manage your money.

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