The Ultimate Guide to Circle Investing

• Circle Investing is a peer-to-peer lending platform founded in 2016.
• A peer-to-peer (P2P) lending platform connects borrowers with lenders.
• Borrowers post loan requests, and lenders review the requests and decide whether to fund them.

Circle Investing is a peer-to-peer lending platform founded in 2016. A peer-to-peer (P2P) lending platform connects borrowers with lenders. Borrowers post loan requests, and lenders review the requests and decide whether to fund them.
Circle Investing is the first and only P2P lending platform in the United States to pay interest on deposits.

What Is Circle Investing?

Circle Invest is an app that automates the process of buying and selling stocks. You don't even have to create an account to get started.
"Circle Invest is an automated, online brokerage that allows you to buy stocks and exchange-traded funds (ETFs)," the company explains, "in just a few taps from your iOS or Android device."
What Sets Circle Investing Apart?
Circle Invest offers a range of features that are unavailable at other brokerages, including:
No fees for buying and selling stocks.

Instant deposits of USD into your Circle Invest account.

The ability to borrow against the cash in your investment accounts.

An instant tax refund service.

A free virtual debit card that connects your Circle Invest account to your bank account.

Circle Invest's stock and trading tools offer the same functionality as traditional brokerages, without the fees.
Comparing Circle Investing to Other Brokerages
Circle Invest's stock and trading tools offer the same functionality as traditional brokerages, without the fees.
Circle Invest doesn't charge fees for buying or selling stocks, and you cannot access your investment account until you deposit money. Circle Invest offers instant deposits, so you don't need to wait to buy your first stock, and you can start trading within minutes.
Circle Invest doesn't charge fees for buying and selling stocks, and you cannot access your investment account until you deposit money. Circle Invest offers instant deposits, so you don't need to wait to buy your first stock, and you can start trading within minutes.

Understanding Circle Investing

Circle Invest is an all-in-one investing app that lets you invest in cryptocurrency, stocks, and ETFs. It has an easy-to-use interface, allows you to make trades directly in the app, and there's no minimum to open a new account. The app allows you to make investments in a matter of seconds, and you can start with as little as $5.
However, the app is only available to residents of 28 U.S. states, though residents in other states can sign up for Circle Invest Invest online.

Benefits of Circle Investing

Circle Invest's strengths lie in its ease of use, as the app's design is based heavily around social and mobile technologies, such as messaging, videos, and images. Its user interface (UI) is uncluttered and visually appealing, with transparent charts and real-time pricing.

Circle Investment Basics

Circle Invest: The Low-fee, High-touch Investing App
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4 Ways to Invest in Bitcoin
Invest Your Way to Financial Freedom
The 3 Steps to Consider Before Investing
Why Circle is Better Than Coinbase

Circle Investment Risks

Circle Invest (circleinvest.com) is a digital investment platform that allows its users to invest as little as $10 in a portfolio consisting of stocks, ETFs, and cryptocurrency. The platform also allows users to set up their own stock alerts for when a certain stock reaches a certain price. Circle Invest charges no fees, which are charged to other online brokerages, such as Fidelity and Robinhood.

How Do Circle Investing Companies Make Money?

While it may seem counterintuitive, investors make money by investing in the shares of Circle, not Circle itself. While there is no dividend payment, investors can earn money through capital gains from the share price increases as well as increased cash dividends from the financial companies. The more investors earn, the more Circle makes.

What Are Circle Investment Fees?

Circle's fee structure is unique. There's no set percentage in Circle's structure, but rather, it's based on the amount of money you have invested.
Circle charges 1% of your account balance annually for account balances under $10,000 and 0.25% for account balances over $10,000. This fee structure applies to all investments made on the platform, including cryptocurrency.

How Are Circle Investments Protected?

No. Circle Invest does not hold customer funds. Instead, customers' funds are held in a custodial account managed by Wells Fargo. Customer funds are held in FDIC-insured accounts or in SIPC accounts, which guarantee up to $500,000 per client, per bank.

Are Circle Investments Safe?

Circle Invest offers a simple system through which investors can safely buy, hold, and sell stocks, ETFs, and cryptocurrencies. The primary goal of the service is to allow investors to buy, hold, and sell stocks and ETFs using their cryptocurrency holdings as collateral.
Circle Invest is not a broker-dealer, so there are no trading fees or commissions. Instead, it's a brokerage firm that uses cryptocurrencies to allow investors to buy and sell securities. The stocks and ETFs that Circle Invest offer are commission-free, and they're generally held in physical custody at reputable third-party custodians.
The Circle Invest trading platform also offers investors the ability to execute trades automatically or manually. In July 2020, Circle Invest added support for BAT (Basic Attention Token).
Circle Invest only allows accredited investors, meaning investors with at least a $1 million net worth or $200,000 annual income.

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The Bottom Line

Circle Invest is a low-cost and convenient digital investment service. The mobile app provides an intuitive, easy-to-use platform that lets even novice investors buy and sell bitcoin and other cryptocurrencies. The Circle Invest team has made it a priority to build the platform with user-friendliness in mind, and the app offers a smooth user experience, clear price charts, and in-depth education materials.