WALLET CO
◆
Open your account
in minutes
One simple sign-up. Your money starts earning the moment you fund it.
🔒Secured with a passkey and encrypted backup — no password to forget, no seed phrases, and your assets stay in your custody. Always.
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Step 1 of 7
How do we reach you?
We’ll use these to secure your account and send confirmations.
United States
Outside the US
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Step 2 of 7 · United States
Verify your identity
Enter the last 4 digits of your Social Security number — we’ll confirm the rest instantly.
⚡We use a soft check via TransUnion to verify you. This won’t affect your credit score.
Can’t verify this way? Enter details manually ›
Verifying your identity…
Securely confirming your details with TransUnion. This takes a few seconds.
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Step 2 of 7
What’s your legal name?
Use your name exactly as it appears on your government ID.
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Step 3 of 7
Where do you live?
Your residential address — no PO boxes.
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Step 4 of 7
Date of birth & SSN
Required by federal law to verify your identity.
🔒Your SSN is encrypted and used only for identity verification.
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Step 5 of 7
Confirm your info
Make sure everything looks right before we continue.
NameMike Cagney
Date of birth•• / •• / 1971
Address10911 Discovery Peak Ct,
Las Vegas, NV 89135
Las Vegas, NV 89135
Emailmcagney@gmail.com
Mobile(702) 867-5409
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Step 7 of 7
A few financial details
Regulations require us to ask how you’ll fund and use your account.
Reviewing your application…
Running identity and compliance checks. Hang tight for a moment.
✓
Identity verified
You passed our automated checks. You’re ready to finish setting up.
eKYC · Low risk
🛡
Your money stays in
your custody
We're setting up your personal MPC wallet. Wallet Co never takes possession of your assets — only you can authorize a transaction.
Self-custody · MPC
No seed phrases. Ever.
🔑Your passkey and modern key management secure everything. Nothing to write down, nothing to lose — and nothing to paste into a chatbot.
How you're protected — the full picture ›
‹
Step 6 of 7
Verify with a photo ID
Take a picture of your ID and a quick selfie to continue.
▢
Front of ID
Driver’s license or passport
▢
Back of ID
Driver’s license
☺
Selfie
A quick photo to match your ID
◷
Your application is in review
Thanks — our team is taking a closer look. Most reviews finish within one business day, and we’ll notify you by email and text.
Manual review
✓
You’re all set, Mike!
Your account is open and ready. Add funds and start earning right away.
Account open
✕
We can’t open your account right now
Unfortunately we’re unable to approve your application at this time. If you think this is a mistake, our team can help.
Account value · Always earning
$93,790.00
You earned +$13.07 in the last
Where you’re earning · 5.26% blended
⌄
$YLDS · 3.68%$57,500
Democratized Prime · 8.00%$33,200
Total earning$90,700
✦Ask the Agent to boost your yield→
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Deposit
↗
Earn
↑
Send
Refer a friend — you both earn more
You each get +0.50% APY on $YLDS for 3 months
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Statements & documents ›
🏢
Payroll · Acme Inc
Direct deposit · today
+$4,200.00
📈
Yield accrued
YLDS · this week
+$41.18
🛒
Whole Foods
Card · yesterday
−$84.30
👤
Sent to Dana
P2P · USDC
−$120.00
Assets
💵
USD Cash
Sweeping to $YLDS
$12,840.00
🟢
$YLDS
3.68% APY
$57,500.00
🔷
Democratized Prime
8.00% APY
$33,200.00
⬡
$FGRS
300.0 shares · $30.00
$9,000.00
₿
BTC
0.25 coins · $65,000
$16,250.00
Loans
🏠
Figure HELOC
8.7% APR
$35,000.00
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Your $FGRS prediction has been partially filled
6/16/2026
Your Democratized Prime yield has fallen below 8%
6/3/2026
FIGR price above $40
3/16/2026
Borrow
Tap your assets without selling them.
My Loans
Figure HELOC/Card
8% · $35,000 ($15,000 available) · Draw more
Next payment $3,500 · 7/1 · Pay now
My Card
Wallet Co Card
→Credit backed by your HELOC · 3% back toward Wallet Co products
Borrow more
Against your assets
→Continuous borrowing via Democratized Prime — draw anytime, repay anytime.
Up to $64,250
Figure HELOC
→Pre-approved offer on your home equity. Funds in days.
Crypto-backed loan
→Term borrowing against your crypto positions.
←
Borrow against your assets
Borrow against your assets and repay anytime, in real time. Funded through Democratized Prime.
$YLDS
Current 4.5% APR
$
No margin call
$FGRS
Current 5.5% APR
$
Margin call at 95% loan to value.
Cover margin calls with available assets
Total to borrow$0.00
Variable rate · repay anytime, in real time · borrowed through Democratized Prime. Your assets keep earning while pledged.
If pledged collateral value falls, you may need to repay or add collateral. Rates are variable.
Trade
Securities predictions, stocks, and crypto — one account.
Securities Predictions
→Bet on outcomes — no commissions
Stocks
→OPEN + new venues · fractional
Crypto
→DEX & CEX routing for best price
✓ KYC passport · ✓ full history · ✓ compliance built in · How you're protected ›
+
↑
Try a skill
Tutorials · Let me show you around
How to fund your account
▶How to lend in Democratized Prime
▶How to make a security prediction
▶How to use your agent
▶How your MPC wallet custody works
▶
←
Help
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Contact Us
💬Text us
SMS
Telegram
@walletco
Call us
1-800-867-5309
←
Settings
MC
Mike Cagney
mcagney@gmail.com
Personal Information
Blockchain wallet
Wallet address
0x7A3f…9C21
Network
Provenance · Ethereum · Base · Solana
Custody
Self-custody · MPC · No seed phrases
Documents
Statements & documents
Monthly statements · tax docs · exports
Privacy
Leaderboard P/L sharing
Show your prediction P/L under a pseudonymous handle
Security
Password
••••••••••
Two-factor authentication
Extra security at sign-in
Face ID login
Unlock with biometrics
Alert notifications
Push to SMS
702-867-5409
Push to email
mcagney@gmail.com
Push to phone
App push notifications
Permanently closes your account and erases your data. This can't be undone.
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Statements & documents
Monthly statements, tax documents and trade confirmations — yours to download anytime.
Monthly statements
June 2026
Monthly statement · PDF
May 2026
Monthly statement · PDF
April 2026
Monthly statement · PDF
Tax documents
2025
Consolidated 1099 · PDF ✦ Agent-generated
2025
1099-INT · PDF
Trade confirmations
Jun 16, 2026
FIGR prediction · partial fill
Jun 3, 2026
Buy $YLDS · $5,000.00
Export
Exports include positions, cost basis and complete transaction history — formatted for tax software and fund administrators.
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How you're protected
🛡
Your money. Your keys.
Self-custody with the experience of a modern fintech — here's exactly what that means.
Custody
Self-custody by default
Your assets live in your own MPC wallet on-chain. Wallet Co never takes possession of your money — only you can authorize a transaction.
Your wallet address
0x7A3f…9C21
Qualified custody, if you want it Institutions
Hold through a qualified custodian — with the roles, permissions and audit trail your compliance team requires — without giving up choice of venue.
Keys
No seed phrases. Ever.
Modern key management (MPC) plus your passkey secures the account. Nothing to write down, nothing to lose — and nothing to paste into a chatbot.
Venues
Curated and vetted
Every earn, trade and borrow venue is reviewed before it appears in Wallet Co, carries a Figure Risk Grade, and works through one consistent experience — no new leap of faith at every protocol.
How risk grades work ›
Rails
Regulated rails, full audit trail
$YLDS is a registered public security. Deposits, trades and transfers keep complete, exportable history — for taxes, fund admins and audits.
People
A human when you need one
Text, call or Telegram — real support from real people when something matters.
Contact support ›
Audit reports, insurance coverage and custody architecture documentation will live on this page. Risk grades are informational and not investment advice.
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Send
Send what?
$
Available: $12,840.00
To who?
Enter an email, mobile number, contact or wallet address — or tap 📷 to scan a crypto address.
Recent
DK
Dana
JL
Jordan
0x…
Wallet
+
New
More ways to send
Pay a bill
→Billers or people · one-time or recurring · from your earning balance
Send a Wire
→Domestic & international · same-day · fee applies
Send an ACH
→Bank transfer · free · 1–3 business days
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Deposit
Idle cash auto-earns in $YLDS the moment it lands.
Instant
Debit card
→Available right away · fee applies
Apple Pay / Google Pay
→One-tap deposit · available right away
Scan your QR / copy your wallet address
Receive crypto to your wallet
Scan to send crypto to your wallet
0x7A3f…9C21
From a bank
Wire transfer
→Domestic & international · same-day · fee applies
Bank transfer (ACH)
→Free · 1–3 business days
Mobile check deposit
→Snap a photo · free · 1–2 business days
Automate
Set up direct deposit
→Route payroll to Wallet Co · every pay period
Other
Request money
→Ask someone to pay you · fiat, stablecoin or crypto
←
Add money
Amount
$
Lands in your always-earning $YLDS balance
Idle cash auto-earns 3.68% APY in $YLDS the moment it lands.
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Draw from HELOC
Figure HELOC · 8% APR · borrow against your home equity. Funds land in your balance.
Amount
$
Available to draw: $15,000.00
Interest accrues at 8% APR on your outstanding HELOC balance.
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Add with debit card
Card details
Amount
$
Lands in your always-earning balance · fee applies
Debit funds are available right away. A small fee applies.
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Add by wire
Share these details with your bank to wire funds in. Funds post to your balance when the wire arrives.
Wire instructions
Beneficiary
Mike Cagney · Wallet Co
Account number
4738 2910 55
Routing (ABA)
021000021
SWIFT / BIC
WLTCUS66
Receiving bank
Column N.A., San Francisco, CA
Reference / memo
WC-MCAGNEY-7741
Domestic wires post same-day; international 1–2 business days. Your bank may charge a fee.
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Mobile check deposit
Photograph your check
📷
Front of check📷
Back of checkAmount
$
Free · funds in 1–2 business days
Endorse the back and write “For mobile deposit only at Wallet Co.”
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Link your bank
🔒
Connect your bank with Plaid
Wallet Co uses Plaid to securely link your account. Your bank credentials are encrypted and never shared with Wallet Co.
By continuing you agree to Plaid’s End User Privacy Policy.
Select your bank
Chase
→Bank of America
→Wells Fargo
→Citibank
→Capital One
→Sign in
🔒 Your credentials are sent encrypted to your bank via Plaid.
Select an account
Checking ••1234
→Available $8,420.00
Savings ••5678
→Available $22,100.00
Bank linked.
Amount to transfer
$
Free · arrives in 1–3 business days
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Earn
Put your money to work. Higher yield carries higher risk.
Your earning positions
$YLDS
3.68% current yield
$57,500.00
Redeem to cashSweep cash to $YLDS
Idle cash auto-earns
Democratized Prime ›
$33,200.00
Figure HELOC pool · 8.00% current yield
Cancel
Start a new position
Buy $YLDS✓ Vetted
→3.68%
Treasury-backed public security · SOFR − 35 bps · 24×7 liquidity
Democratized Prime✓ Vetted
→Up to 8%
Figure's DeFi portal · unlevered yield lending against real-world assets
Hastra✓ Vetted
→10–18%+
Levered loans against RWAs on Ethereum · amplified yield
Lend digital assets
→Variable
Lend crypto or $FGRS (Figure equity, native on-chain) and earn yield
←
Lend
Amount
$
Pay from
Estimated yield (1 yr)$0.00
Target rate
Liquidity
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Democratized Prime
Choose a market to lend into. Higher utilization, higher yield.
Figure HELOC
8.00%
Current APR
Pool size
$52,000,000
Utilization
85%
Figure Risk Grade: Low ⓘ
Learn more
Crypto-Backed Loans
7.95%
Current APR
Pool size
$49,500,000
Utilization
80%
Figure Risk Grade: Low ⓘ
Learn more
Automobile
7.75%
Current APR
Pool size
$50,250,000
Utilization
75%
Figure Risk Grade: Low ⓘ
Learn more
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Figure Risk Grades
How Figure grades the risk of a Democratized Prime pool.
Every Democratized Prime pool is scored by Figure across two dimensions — principal risk and liquidity risk — and assigned an overall grade. Grades are a relative guide, not a guarantee, and can change as a pool’s composition and market conditions change.
Principal risk
Principal risk measures the likelihood that a lender does not get their full principal back. Figure evaluates the quality and seniority of the underlying collateral, weighted average loan-to-value (LTV), the degree of over-collateralization, borrower credit quality, historical default and recovery rates, and the structural protections in the pool (reserves, subordination, and first-loss capital). Pools backed by senior, well-collateralized, low-LTV assets score lower risk.
Liquidity risk
Liquidity risk measures how reliably a lender can withdraw on demand. Figure evaluates current pool utilization, redemption terms and notice periods, the maturity profile of the underlying loans, available cash buffers, and the depth of any secondary market. Lower, more stable utilization and shorter-duration assets score lower risk.
Grade scale
LowStrong collateral and ample liquidity; loss of principal unlikely under normal conditions.
ModerateSound structure with some sensitivity to defaults or redemption pressure.
ElevatedHigher LTV, concentration, or utilization; principal or liquidity may be at risk in stress.
HighMaterial risk to principal and/or limited liquidity; suitable only for risk-tolerant lenders.
Risk grades are Figure’s estimates for informational purposes only and are not investment advice, ratings, or a guarantee of performance. Yields are variable and principal is not insured.
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Buy $YLDS
3.68% APY
SOFR − 35 bps · backed by U.S. Treasuries & bank deposits · 24×7 liquidity
Amount
$
Available: $12,840.00 USD cash
Pay from
Estimated yield (1 yr)$0.00
Rate3.68% APY · SOFR − 35 bps
SettlementInstant · earns immediately
Liquidity24×7 · no lockup
$YLDS is a registered public security. Yield is variable (SOFR − 35 bps) and not guaranteed. Review offering disclosures before investing.
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Securities Predictions
Bet on outcomes — no commissions. $1 per contract, settles at $1 if you're right.
Your predictions · 0
+$184 today⌄
P/L today +$184.20 · all-time +$1,240.55 · Only you can see this
Markets
Will it close above…
Event contracts settle to $1 if the outcome occurs, $0 if not. Cents = the market's implied probability. No commissions.
Join the leaderboard
Pick a handle and share your prediction P/L. Pseudonymous — your name is never shown, and you can turn this off anytime in Settings.
Rankings reflect realized and unrealized P/L on securities predictions among members who opt in. Past performance is no guarantee of future results. Handles are pseudonymous.
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Direct deposit
Share these details with your employer or payroll provider. Deposits auto-sweep to $YLDS the moment they land.
Your account details
Account holder
Mike Cagney
Routing number
021000021
Account number
4738 2910 55
Account type
Checking
How much to deposit
Direct deposits often arrive 1–2 days faster than a paper check, and idle cash earns 3.68% APY in $YLDS automatically.
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Bill pay
Pay billers or people, one-time or recurring — straight from your yield-bearing balance.
Scheduled
⚡
NV Energy
Monthly · next Jul 1
$142.00
🏠
Rent — Greystar
Monthly · next Jul 1
$2,400.00
📱
Verizon
Monthly · next Jul 5
$95.00
New payment
Payee
Amount
Frequency
←
Card
Wallet Co
•••• •••• •••• 4827
MIKE CAGNEY12/29
Card details
Card number
•••• •••• •••• 4827
Expiry
12/29
CVV
•••
Controls
Freeze card
Instantly block all transactions
Online payments
E-commerce & subscriptions
International
Use outside the U.S.
ATM withdrawals
Cash access
Rewards
3% back
Toward Wallet Co products · $128.40 earned this month
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Your rails
Set the boundaries — your agent acts only inside them.
Guardrails
Asset segregation
Keep cash, yield & predictions separate
Approval workflows
Require my OK above the limit
Limits
Per-transaction limit
Daily limit
Risk threshold
Counterparty allow-list
Coinbase
AllowedFigure
AllowedKraken
Allowed
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Skills Market
Add new skills to your agent — it learns them instantly.
Tax-loss harvesting
Index replication & automated rebalancing
Pay & purchase
Bills, subscriptions, travel, goods
Maximize yield
Across approved DeFi protocols, risk-aware
Tax documents
InstalledGenerate 1099s from transaction history
Spending insights
Categorize and analyze your spending
Rebalance portfolio
Keep target allocations on track