Qapital Invest

Qapital Invest

Founded in 2014, Qapital Invest operates as a US-registered investment advisor that delivers its services entirely through a mobile application. The firm's model centers on behavioral economics, using customizable rules to trigger automated savings and investments tied to user-defined goals. Its user base of over two million members has collectively accumulated $3 billion through the platform, with the firm reporting an average annual savings rate of $4,900 per user. The platform blends banking and advisory functions into a single interface — offering FDIC-insured accounts alongside automated, goal-based investment portfolios. Qapital's investment methodology relies on passive, risk-calibrated ETF portfolios drawn from a curated menu rather than bespoke security selection. The service is available to retail investors across the United States, with no disclosed institutional or family-office channel. The firm operates from its headquarters in New York and maintains a strictly digital footprint with no public branch network or disclosed adjacent vehicles. A free-trial model converts to a subscription at $3 per month, reflecting a mass-affluent consumer posture rather than a high-net-worth private-client practice. Public records do not disclose the firm's regulatory assets under management or the size of its professional staff. Qapital's structural distinction lies in its regulatory architecture — a bank-adjacent registered investment advisor distributing purely through a mobile operating system. This bypasses the traditional advisor-client relationship and places the application itself as the primary intermediary between the user and their investment portfolio.