Dreamability™ — from Dreamery

Your money,
on autopilot.

Dreamability™ is a tool. It will take you wherever you wish, but it will not replace you as the decision maker.

Apply for the founding 100 →See how autopilot works

At launch: FDIC-partner banking · FINRA / SIPC-partner securities · Reg D 506(c) real-estate offerings

9:41

Welcome

Avery Hale

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Account balance

$86,365.00

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Recent activity

Rent · 1247 ElmToday · 8:45 am+$2,450
Contractor · M. Reed24 Jun · 3:20 pm−$875
Idle cash → reserves23 Jun · auto−$4,200

DreamabilityPlatinum

AVERY HALE

XXXX XXXX XXXX 5045

EXPIRY

12/30

CVV

★★★

0.0%

Idle-cash yield, autopiloted¹

Entity types supported²

0 min

Avg account setup³

Fees on the banking core⁴

Three layers of fintech

Infrastructure. Intelligence. Autopilot.

The next decade of personal finance is a climb up three layers. Most modern apps live at L2. Dreamability is built to lead at L3.

L1
Commodity
Financial infrastructure
Needed, but it is the floor. Every serious player has it. Dreamability is built on it; Dreamability is not defined by it.
- Accounts
- Cards
- Transfers
- FX
- Bill pay
- IBAN
- Wallets
Already a commodity — table stakes for any modern money app.
L2
Differentiation
Financial intelligence
Where most modern personal-finance apps have planted a flag. Useful — but it still asks the user to decide and act.
- Spending analysis
- Forecasting
- Tax optimization
- Risk profiling
- Behavioral analysis
- Investment recommendations
- Anomaly detection
- Savings automation
- Subscription detection
Where most personal-finance apps compete today.
L3
The destination
Autonomous financial agent
Insights become execution. The agent doesn't just tell you what to do — it acts, with your rules and your approvals. This is financial autopilot.
- Reallocates idle cash
- Optimizes debt payoff
- Automates investing
- Negotiates bills
- Monitors market risk
- Executes predefined strategies
- Predicts liquidity issues
- Prepares taxes
- Optimizes credit usage
Dreamability is built to live here.

Everything inside

One ledger. Every layer.

Banking, wealth, real estate, tax — the same primitives, the same data, the same agent. Pick a layer.

01Daily money plumbing

Banking & Treasury

A modern banking core built around how money actually moves through a household, a business, or a portfolio — not around quarterly bank fees.

7.2%

Idle-cash yield, autopiloted¹

Entity types supported²

4 min

Avg account setup³

Fees on the banking core⁴

Entity-awareMulti-entity ledgerOne login, many entities. LLCs, trusts, and personal accounts kept cleanly separated.
Money movementACH, wire, and instantSame-day ACH, RTP, and wires with built-in approval workflows for larger transfers.
Set-and-forgetAutomated reservesSet rules per property, deal, or business — Dreamability funds and tops up reserves on its own.
Yield by defaultCash sweepsIdle balances move into yield buckets and back to operating accounts when payments come due.
Investor opsDistributions & waterfallsInvestor distributions calculated from deal terms and pushed on schedule.
PayablesVendor & contractor paymentsPay crews, PMs, and suppliers with W-9s, 1099s, and lien-waiver tracking already wired in.

Autopilot in action — today on a 4-entity portfolio

Total balance $284,140.22 · +$4,212 today · Agent ran 3 actions

just nowIdle cash → reservesProperty LLC · 24-mo Treasuries+$4,200
in 3hTax escrow fundedQ2 estimate · auto-scheduled+$1,100
tomorrowVendor payouts3 invoices · ACH batch−$2,810

3 rules active · last edited 2d ago

02Earn while you spend

Spend & Cards

A high-yield checking account and a cash-back card that live natively inside the same app as your investments.

YieldHigh-interest checkingEarn up to 2.25% APY, depending on tier.
RewardsCash card2% cash back on every purchase, plus premium-tier rewards.
GlobalInternational paymentsLow-fee transfers in 30+ countries and 10+ currencies.
FDIC sweepExtended protectionUp to $1M in pass-through FDIC deposit insurance via partner banks.

03Public + private + managed

Wealth & Investing

Public markets, private deals, and managed allocations — on the same ledger as your cash. Allocation is a slider, not a migration.

Commission on stocks, ETFs, options

Minimum fractional share

24/5

U.S. market access

140+

Coins on the crypto desk

Self-directed

BrokerageStocks, ETFs, fractional shares, and recurring buys — managed alongside everything else.
$0 commission tradingTrade stocks, ETFs, and options with zero commission fees.
Fractional sharesBuy in for as little as $1 — precise allocation, no minimum.
USD accountsFree for clients with $100K+ in assets. Trade U.S. securities without per-trade FX.
24/5 U.S. tradingAccess U.S. stocks around the clock, Monday through Friday.
Crypto tradingRegulated 24/7 trading across 140+ coins.

Managed

Automated portfoliosSocially responsible, Halal, and high-growth allocations — managed for you.
Private assetsPrivate credit, private equity, and infrastructure for eligible investors.
Tax-loss harvestingAutomatically realizes losses to offset capital gains and maximize after-tax returns.
Syndicates & private dealsBrowse, fund, and track private real-estate and venture deals from inside the same wallet.
Fractional ownershipTake a share of a Dreamery-sourced property without underwriting it yourself.

Lending & leverage

Asset-backed creditLines of credit collateralized by deposits, holdings, or income-producing properties.
Investor lendingDSCR, bridge, and rehab capital underwritten with data already in your file.
Smart payoffsIdle cash auto-pays high-rate debt before it routes to lower-yield accounts.

04Dreamery REITs

Private Real Estate

Diversified, fee-transparent REITs and property funds — open to all U.S. investors at low minimums, with deeper accredited-only deals available alongside.

$10

Minimum to start

0.85%

Asset-management fee

5+ yr

Recommended horizon

$5M–$100M

Target asset size

Inside the portfolio

Build-for-rent communities
Multifamily residential
Industrial & last-mile logistics
Sunbelt residential corridors

Strategies

IncomeFixed-income exposure through senior debt and preferred equity in real-estate deals.
GrowthValue-add and opportunistic equity — appreciation through repositioning or new builds.
BalancedA mix of income and growth allocations, sized to your risk tolerance.

Platform

Automated investingRecurring contributions and reinvested distributions on rules you set.
Investor dashboardProperty-level performance, distributions, and tax statements in one place.
IRA-eligibleHold private real estate inside a traditional, Roth, or SEP IRA.
Quarterly liquidityQuarterly redemption windows. Designed for a 5+ year hold.

Risk & performance

Middle-market focusProperties priced $5M–$100M — overlooked by larger institutions, big enough for scale.
Non-tradedShares are not listed on public exchanges. Less day-to-day volatility, less immediate liquidity.
Long-term holdBuilt for a 5+ year horizon. Not a substitute for a trading account.

05The quiet money work

Tax & Protection

The expensive parts of building wealth are the ones nobody enjoys. Dreamability runs them quietly so you stop bleeding margin to friction.

Deduction-awareTax optimizationDepreciation schedules, cost segregation, and entity-aware reporting feed straight into your CPA.
FilingDreamery TaxFree tax filing software, with optional tax-pro review.
RiskInsuranceProperty, liability, and key-person coverage placed and tracked alongside the assets they cover.
Audit-readyRecords & statementsEvery transaction, K-1, and 1099 archived against the entity, deal, or property it belongs to.
Long horizonEstate & successionBeneficiaries and trust structures attached at the account, entity, and asset level.

06Scale benefits with balance

Perks & Tiers

Lower fees, more access, dedicated support — unlocked as your portfolio grows.

Premium$100K+

Lower managed fees (0.4%)
Free USD accounts
Partner rewards

Private$500K+

Further reduced fees (0.2%–0.4%)
Comprehensive financial planning
Dedicated support

Different operators, same OS

Pick the user that looks like you.

The retail account that opens with a debit card runs the same plumbing as the portfolio investor closing a syndicate. Switch the tab — see your day.

A day in real-estate investor's account

Sees every entity, every reserve, every distribution — without spreadsheets.

You own four LLCs and an investor base. Dreamability runs the back office: reserves fund themselves, mortgages and escrow run on schedule, and distributions calculate from the deal terms — not from a quarterly bookkeeping marathon.

An account per entity — LLCs, trusts, personal — cleanly separated
Reserves per property for taxes, capex, and vacancy, funded on rules
Mortgages, escrow, and vendor payments run on schedule
Investor distributions calculated from deal terms and pushed automatically
ROI tracked live against the underwriting model, not a spreadsheet

Plus, when you want real-world assets

Dreamability is its own product. It plays best with Dreamery.

Find a property on Dreamery, fund it from a Dreamability account, route the cash flow back into the same ledger. Capital and assets stay in sync — without spreadsheets or transfers between apps.

Explore Dreamery →

How your money is held

Regulated where it matters.

Dreamability operates through chartered partners, not workarounds. Each layer below is built against the regulator that owns it.

Banking

FDIC-partner banking

Deposits will be held at a Member FDIC partner bank at launch. Pass-through FDIC insurance up to applicable limits.

Securities

FINRA / SIPC partner

Brokerage and fractional-share activity custodied with a FINRA-registered, SIPC-protected partner broker-dealer.

Real estate

Reg D 506(c) offerings

Private real-estate and syndicate offerings made under SEC Reg D 506(c). Accredited-investor verification required.

Compliance

SOC 2 + AES-256

AES-256 encryption at rest, TLS 1.3 in transit. SOC 2 Type II audit in progress. Multi-factor by default.

Founding-100limited · pre-launch

One plan. Banking, treasury, wealth, autopilot — locked at founding rates for life.

Banking core, multi-entity ledger, automated reserves
Brokerage + private-market offerings on one ledger
Autopilot agent with unlimited rules and approval workflows
White-glove onboarding from the founding team
Rate never changes — for as long as you have an account

Apply to the founding 100 →Application required · accepting in waves

Questions you should have

The hard ones, answered.

01Is my money FDIC-insured?
Cash held in Dreamability checking and savings accounts is held at our Member FDIC partner bank, with pass-through FDIC insurance up to applicable per-depositor, per-bank limits. Investment balances are not bank deposits and are not FDIC-insured.
02Who custodies the securities and private offerings?
Brokerage and fractional shares are custodied by our FINRA-registered, SIPC-protected partner broker-dealer. Private real-estate offerings are made under SEC Reg D 506(c) — accredited-investor verification is required to participate.
03How does the autopilot agent get authority to move money?
You author rules in plain language ("sweep idle over $5,000 to reserves", "fund Q2 tax escrow by April 1"). Dreamability executes only what your rules authorize. Anything outside your rules requires a confirmation step.
04What happens if I want to override or pause an action?
Every scheduled action surfaces in your activity feed with a hold and undo window. You can pause an individual rule, pause all autopilot activity globally, or roll back any single transaction within the cancel window.
05How is this different from Wealthfront, Mercury, or Fundrise?
Those are excellent products — each at one job. Dreamability is the same ledger for all of them: a checking account, a brokerage, a private-market portfolio, and a lending desk that all see the same data. The agent layer on top is what turns the unified ledger into autopilot.
06What states are available at launch?
Banking will be available nationwide via our partner bank. Lending products roll out state-by-state as we receive each license. Private real-estate offerings are open to verified accredited investors across the US.

Where capital meets opportunity

Built so every dollar earns, holds, moves, or works — automatically.

Dreamability™ is a tool. It will take you wherever you wish, but it will not replace you as the driver.

Apply for the founding 100 →Back to the three layers

One plan. Banking, treasury, wealth, autopilot — locked at founding rates for life.

Banking core, multi-entity ledger, automated reserves

Brokerage + private-market offerings on one ledger

Autopilot agent with unlimited rules and approval workflows

White-glove onboarding from the founding team

Rate never changes — for as long as you have an account

Infrastructure. Intelligence. Autopilot.

Financial infrastructure

Financial intelligence

Autonomous financial agent

One ledger. Every layer.

Self-directed

Managed

Lending & leverage

Strategies

Platform

Risk & performance

Pick the user that looks like you.

Sees every entity, every reserve, every distribution — without spreadsheets.

Dreamability is its own product. It plays best with Dreamery.

Regulated where it matters.

FDIC-partner banking

FINRA / SIPC partner

Reg D 506(c) offerings

SOC 2 + AES-256

One plan. Banking, treasury, wealth, autopilot — locked at founding rates for life.

The hard ones, answered.

Built so every dollar earns, holds, moves, or works — automatically.

Infrastructure. Intelligence. Autopilot.

Financial infrastructure

Financial intelligence

Autonomous financial agent

One ledger. Every layer.

Self-directed

Managed

Lending & leverage

Strategies

Platform

Risk & performance

Pick the user that looks like you.

Sees every entity, every reserve, every distribution — without spreadsheets.

Dreamability is its own product. It plays best with Dreamery.

Regulated where it matters.

FDIC-partner banking

FINRA / SIPC partner

Reg D 506(c) offerings

SOC 2 + AES-256

One plan. Banking, treasury, wealth, autopilot — locked at founding rates for life.

The hard ones, answered.

Built so every dollar earns, holds, moves, or works — automatically.