Banking reimagined. Yields that actually matter.

The account your bank
should have built you.

Reserve Cash
4.3%

US Treasury-backed. 100% reserve-collateralised. Full daily access. Transact like a bank account — earn like you never have.

USD · No minimum
Yield Wallets
6–11%

Fixed-rate accounts backed at 100%+. Earn in your own currency. Daily access on the Liquid account. Fixed bonds at 8% and 11%.

USD · EUR · GBP · CAD
Open Your Account See the Accounts
Regulated · UK & USA & EU $500K deposit protection 100% reserve-backed
$500,000

sitting idle in a bank account earns $2,500 a year at 0.5%.
In a WealthProphet Liquid account: $30,000 a year.
In the Strategic Bond for a full year: $55,000.

Same money. Same access. Your bank is earning the difference.

Four accounts.
Every balance working.

No minimum to open. No lock-in on daily access accounts. Your currency.

4.3%
APY · Full liquidity · USD
Reserve Cash

Daily transactions, wires, and bill payments — earning 4.3% on every dollar. Replaces your bank account entirely. Treasury-backed.

$0 minimumFull access$500K insured
6%
APY · Daily transactional
Liquid Wallet

A full spending and transfer account earning 6% APY. Use it daily in your own currency. The highest available rate with daily access, anywhere.

USD EUR GBP CAD$10K min balance
8%
APY · 90-day fixed
Foundational Bond

A fixed-rate 90-day bond — the same structure as a GIC or fixed deposit, at nearly double the best available market rate.

From $100KRate fixed at opening
11%
APY · 180-day fixed
Strategic Bond

A fixed-rate 180-day bond outperforming every comparable product — GICs, CDs, and private equity funds — at a contracted rate.

From $250KRate fixed at opening
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Most banks and fintechs hold only a fraction of your deposits in reserve — lending the rest. Both WealthProphet account types are backed at 100% or above. Your balance is always fully covered. This is not how conventional banking works.

How our reserves work →

Hold and earn in your currency.

Every other high-yield product forces you into USD. We don't.

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CAD
6–11% APY
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GBP
6–11% APY
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EUR
6–11% APY
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USD
4.3–11% APY

Plus transactions and wires in AUD · CHF · JPY · SGD · HKD · NZD · SEK · NOK · + more

Open in one business day.

No branch visits. No paperwork. Your concierge handles setup through whichever channel you prefer.

01
Complete the form

Tell us your currency and preferred contact channel. Signal, Wire, WhatsApp, or iMessage — your choice.

02
Your concierge contacts you

Within one business day a real member of your team completes setup. No automation. No sequences.

03
First dollar starts earning

From the moment your account is funded you're earning. Daily transactions work immediately. Bond accounts activate at term start.

$0
Minimum to open
$500K
Deposit protection
100%
Reserve-backed

Built differently from every bank
and fintech you've used. Here's how.

Most banks lend your deposits and keep a fraction in reserve. WealthProphet doesn't. Understand the infrastructure behind the rates — and why 100% reserve backing changes everything about how your money is held.

How It Works →
Open Your Account

Start earning today.
No minimum. No friction.

Your first dollar earns 4.3%+ APY the day your account opens. Complete the form and your concierge will be in touch within one business day.

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Completely confidential
Private enquiry. We do not share your information.
💬
Your channel
Signal, Wire, WhatsApp, or iMessage.
⏱
One business day
A real person. Onboarding within 24 hours.
Begin Your Application