Wealthfront

Broker or investment firm · Palo Alto, United States

Wealthfront Corporation is a Palo Alto company that has been listed on Nasdaq under WLTH since December 2025. Its subsidiary Wealthfront Advisers LLC is an SEC-registered investment adviser and Wealthfront Brokerage LLC is a FINRA member broker-dealer. The main product is the Cash Account, a brokerage account that sweeps client dollars to partner banks for interest and up to 8 million dollars of pass-through FDIC insurance, alongside index portfolios charged at 0.25 percent a year, a portfolio line of credit and mortgages. Wealthfront is not a bank, states that it does not provide banking services directly, works only in the United States and opens accounts for individuals, joint holders and trusts rather than for companies.

Legal name: Wealthfront Corporation
Regulated by: SEC (Wealthfront Advisers LLC, registered investment adviser), FINRA and SIPC (Wealthfront Brokerage LLC), NMLS (Wealthfront Home Lending, LLC, NMLS 2358115), California Department of Financial Protection and Innovation
Licence confirmed: yes, on a regulator's own list
Established: 2008
Website: www.wealthfront.com

Scores, 0 to 10

6.0Financial strength & stability

Nasdaq-listed since December 2025 with total assets of 1.42 billion dollars and stockholders' equity of 614.7 million at 31 January 2026, but a 42.1 million dollar net loss that year and no bank charter of its own. · source

5.0Best interest on business balances

The Cash Account advertises 3.30 percent APY with no minimum and gives access to the Wealthfront Treasury Money Market Fund at a 0.25 percent expense ratio, but a company cannot open either. · source

4.5Lowest fees

The Cash Account carries no account fees and free wires to accounts the client owns, and out-of-network ATM use costs 2.50 dollars, but no business account and therefore no business fee schedule exists. · source

3.5Fast digital onboarding

Application is fully online for US residents, yet the 10-K lists only individual and joint accounts, so a company cannot be onboarded at any speed. · source

3.5On-ramp: buy crypto with fiat

Individual and joint Cash Accounts send ACH, RTP and FedNow transfers up to USD 250,000 a day and accept pulls via routing number up to at least USD 50,000 a day, but no business account exists and no crypto exchange rule or experience report was found, so evidence is thin and retail only. · source

3.5Off-ramp: crypto to fiat in a business account

Cash Accounts accept ACH and free same-day wires in, but only for individuals, joint owners and trusts; Wealthfront publishes no process for crypto proceeds and none for companies, checked September 2026. · source

3.0United States

Nationwide US product with ACH, wires, RTP and FedNow and up to 8 million dollars of pass-through FDIC insurance, but it is a brokerage cash account with no bank charter and no business accounts. · source

3.0Crypto-friendly bank

Wealthfront publishes no policy on crypto businesses because it offers no business accounts at all; the 10-K product list contains no digital-asset service. · source

3.0Customer satisfaction

Trustpilot rates Wealthfront 1.9 out of 5 in the Poor band, while the company's own footnotes cite app store ratings compiled to 15 August 2025. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

Wealthfront publishes no policy on gambling, cannabis, adult or forex businesses; the 10-K only mentions monitoring the consumer Cash Account for illegal use. · source

3.0Bitcoin

Automated investing accounts can add the IBIT spot bitcoin ETF, capped at 10% of the portfolio, which is price exposure only and for personal accounts only, with no coins or transfers. · source

3.0Ethereum

Since September 2024 the ETHA spot ether ETF can be added to personal automated portfolios within the same 10% cap, price exposure only with no ether custody, staking or transfers. · source

1.5Fintech companies that need a partner bank

Wealthfront buys rails from Green Dot, UMB and R&T rather than supplying them; it offers no safeguarding accounts, no BIN sponsorship and no agency banking to payment firms. · source

1.5Startups & VC-backed companies

There is no startup account, no venture debt and no company onboarding; lending to individuals is a portfolio line of credit and mortgages through Wealthfront Home Lending. · source

1.0Cross-border payments, FX and multi-currency accounts

Every product is a US dollar product and the 10-K says all revenue is generated in the United States; there is no multi-currency account and no international transfer service. A single-currency sweep and a Treasury money market fund exist, but there is no multi-currency account, no cash pooling and no corporate account structure. · source

1.0Online businesses: e-commerce and SaaS

The product range has no card acquiring, no collection accounts and no marketplace payouts; the debit card only spends, it does not collect. No receiving accounts, no client API, no accounting integrations and no revenue-based financing; the platform serves individuals rather than software companies. · source

1.0Trade, manufacturing & import-export

No letters of credit, guarantees, documentary collections or supply-chain finance appear in the 10-K product description. · source

1.0Business cards (Visa, Mastercard)

The only card is a personal Wealthfront Visa debit card issued by Green Dot Bank; there are no business cards, no virtual cards and no employee spend controls. · source

1.0Foreign-owned & non-resident companies

The 10-K states products are offered exclusively in the United States, so foreign-owned and non-resident companies cannot be onboarded. · source

1.0Crypto wallet and custody for a business

Wealthfront's crypto help article (updated January 2025) says clients cannot own individual coins or add coins to a crypto wallet, and its account list (updated August 2026) has individual, joint, trust and retirement accounts but no business accounts. · source

1.0Accept crypto payments

Wealthfront does no merchant acquiring and its crypto help article says it offers crypto as a diversification asset, not as a form of payment, checked September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin holding, payouts or conversion at Wealthfront; its only crypto offer is the two ETFs, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.