Public.com
Business Profile
Core Value Proposition
Public.com provides an investing platform that offers stocks, bonds, crypto, options, ETFs, and Treasuries with AI-powered data and custom analysis.
Target Customer
{"Individual/retail investors seeking multi-asset investing (stocks, bonds, crypto, ETFs, Treasuries) with AI-powered insights","Investors looking to transfer portfolios to Public to earn a 1% match (uncapped)","Users who want premium features, concierge support, and advanced data/analysis"}
Key Differentiator
{"1% match when transferring a portfolio to Public (uncapped)","Options trading rebates program (earn $0.06–$0.18 per stock/ETF options contract depending on volume)","AI-powered investment assistant Alpha for insights and earnings recaps","Broad multi-asset offering (Stocks, Bonds, Treasuries, Options, Crypto, ETFs) with specialized accounts (Bond Account, High-Yield Cash Account, IRA/treasury options)","Public API for programmatic trading and real-time data with rebates"}
Implementation Timeline
Benefits such as the 1% transfer match are described as immediate upon transferring; other features (APYs, yields, rebates, and Alpha insights) are available as users engage with the platform and trades over time.
Pain Points
- 1Difficulty accessing AI-powered insights and AI-assisted analysis within investing platforms
- 2Fragmented access to multiple asset classes (stocks, bonds, treasuries, crypto) in one place
- 3Limited incentives to transfer or consolidate investments between brokerages and platforms
Key Features
- 1AI-powered analysis and Alpha investment co-pilot
- 2Option rebates and options trading features
- 3Bond screener and over 10,000 bonds available in Bond Accounts
- 4High-Yield Cash Account with FDIC insurance and partner banks
- 5IRA and other retirement account options with IRA Match Program
- 6Investment Plans for automatic recurring investments
- 7API access for programmatic trading
- 8Asset coverage including Stocks, ETFs, Bonds, Treasuries, Options, Crypto
Target Customer Industries
Client Results
- 11% uncapped match when transferring your portfolio to Public
- 2High-Yield Cash Account with 3.8% APY
- 3Bond Account yield displayed as yield to worst (YTW) across ten bonds
- 4Up to 250,000 extra buying power (instant) for investments
- 599.994% platform uptime (calendar year 2024)
Competitive Advantages
- 1Uncapped 1% transfer match incentivizing portfolio migration
- 2Options rebates making options trading potentially more cost-effective
- 3AI-powered insights and summaries embedded in asset performance charts (Key Moments, Earnings Hub, etc.)
- 4Comprehensive multi-asset capabilities (stocks, bonds, treasuries, ETFs, crypto) in one platform
- 5Transparent fee concepts and reported uptime, with cash accounts and insurance disclosures
Key Benefits
Additional Product Information
Product Description
Public.com is an investing app/platform offering multi-asset trading (stocks, bonds, crypto, ETFs, options, treasuries) with AI-powered analysis, rebates on certain trades, and features to transfer and manage portfolios with premium services.
Target Market
Individual investors and self-directed traders in the United States seeking multi-asset investing, AI-driven insights, and account-transfer incentives
Unique Value Proposition
Public.com uniquely combines AI-powered investing insights with tangible incentives (1% transfer match and options rebates) and a broad multi-asset ecosystem (including bonds, treasuries, and crypto) in a single platform.
Technical Requirements
{"Public API for programmatic trading and real-time market data (personal, non-commercial use)","AES-256 encryption and TLS protocols for data security","Market data powered by third-party sources (e.g., Xignite)","Brokerage services provided by Public Investing, Inc. with FINRA/SIPC safeguards","Risk disclosures and regulatory disclosures applicable to trading and asset types"}
Pricing Model
Commission-free trading on US-listed securities; options rebates (rates $0.06–$0.18 per contract) depending on volume; 1% match for transfers/IRA transfers; Premium membership providing enhanced features and concierge services; yields and APYs vary by account type (e.g., Bond Account yield, High-Yield Cash Account APY).
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