Stelrix
- Company typePrivate
- Founded2025
- HeadquartersNew York, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
Stelrix firmographics
Firmographics- Name
- Stelrix
- Legal name
- CS Capital Technologies Inc.
- Website
- https://stelrix.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Stelrix industry classification
Industry- Product category
- Investment-Backed Credit Cards
- NAICS
- Credit Card Issuing (522210), Credit Card Issuing (52221)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Card Issuing Platforms (Issuer Processing) (FSAGABAD)
- akta.pro secondary industry
- Card Issuing & Program Management Platforms (BPAMAFAH)
Keywords
Where Stelrix is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Stelrix business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Transaction/Funding Fees: Revenue generated from transaction fees when users spend using the Stelrix card against their portfolio-backed capital. Users borrow against their portfolios with transparent APR-based pricing.
- APR-based Interest: Risk-based pricing through transparent APR bands. The platform charges interest on borrowed funds based on portfolio strength and risk assessment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Transparent risk-based APR pricing |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Stelrix product offering
Product offeringCore offering
Stelrix issues a single product, the Stelrix Card — described as the first investment-backed credit card — which lets individual U.S. investors spend against their brokerage portfolio in real time without selling assets or taking traditional margin risk. Users connect their existing brokerage accounts via read-only sync, receive a dynamic credit line and APR that adapt every few milliseconds to portfolio and market movements, and use the card anywhere cards are accepted. The platform is powered by the proprietary DCPSP (Dynamic Credit Portfolio Secured Platform) system and a transparent risk-based APR bands engine, with beta scheduled for Q1 2026 and full commercial rollout in early Q2 2026.
Product overview
Stelrix is a single-product fintech company offering the Stelrix Card, described as the first and only investment-backed credit card. The product enables users to borrow against their investment portfolios in real-time without liquidating assets, replacing traditional credit systems with portfolio-secured capital access. The platform is powered by DCPSP (proprietary technology) that continuously monitors brokerage holdings and adjusts credit limits every few milliseconds, offering transparent risk-based pricing and adaptive limits. The product is currently in pre-launch waitlist phase with beta scheduled for Q1 2026 and full commercial rollout in early Q2 2026.
Differentiator
Problem solved
Functional benefit
Products and services
- Stelrix Card (First Investment-Backed Credit Card) The Stelrix Card is the first investment-backed credit card, enabling real-time, portfolio-secured spending by transforming a user's existing brokerage holdings into instantly accessible capital without liquidating assets. Users link their brokerage account via read-only sync, receive a dynamic credit limit and APR that adapt in real time to portfolio and market conditions, and spend anywhere cards are accepted.
Quantifiable outcome
- Portfolio-secured spending without asset liquidation or tax triggers
- +1 more outcomes
Companies that use Stelrix
Customer profileSegments2 records
Ideal customer profiles1 record
Stelrix technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature5 records
Stelrix partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- LithiccoreCard issuing infrastructure partner providing the technological backbone for card issuance and processing. Lithic enables Stelrix to issue its investment-backed credit card through their card program management platform.
- SightspancoreStrategic partner in the network supporting Stelrix's launch. Sightspan works with financial institutions on payment and banking innovations, contributing expertise to the investment-backed credit card platform.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
Stelrix competitors and assessment
Company assessmentBroad incumbents
- Lithic: Lithic is a card-issuing infrastructure provider and an explicit strategic partner of Stelrix. It is a relevant incumbent peer because it sits in the same issuing-platform category and shapes the economics and feasibility of Stelrix's product.
- Marqeta: Marqeta is a publicly traded card-issuing platform powering modern fintech card programs. It is comparable as the broader incumbent in the same infrastructure category Stelrix relies on (Lithic plays a similar role), and any issuer-processor overlap is direct.
- Apple Card: Apple Card (issued with Goldman Sachs) is a premium, design-led consumer credit card. It is a broad incumbent comparable because Stelrix explicitly borrows from the Black Amex Centurion / premium-card design playbook and targets a similar affluent, design-conscious segment.
- Stripe (Stripe Issuing): Stripe's Issuing product enables any business to create and manage card programs. As the broadest incumbent in card-issuing infrastructure, it represents the scale benchmark and alternative platform option for fintechs in Stelrix's category.
Direct peers
- Robinhood: Robinhood is the leading U.S. retail brokerage and offers a card (Robinhood Gold Card). It is directly comparable because it serves the same U.S. retail-investor persona and combines brokerage holdings with a spending product, though it is balance-sheet-funded rather than collateralized by user portfolios.
- Ramp: Ramp is a fast-growing card-issuing fintech that bundles corporate cards with software-driven spend controls. While B2B-focused, Ramp shares with Stelrix the playbook of modern card issuance plus proprietary software layered on top of partner rails.
- Chime: Chime is a consumer fintech with a card product targeting everyday Americans underserved by traditional credit. It shares Stelrix's positioning of 'no hidden fees,' transparent pricing, and replacement of legacy credit with a modern, mobile-first alternative.
- Brex: Brex is a card-issuing fintech that pioneered underwriting via non-traditional signals (cash balances) rather than FICO. Stelrix applies the same non-FICO-underwriting philosophy but pivots from SMB cash balances to consumer brokerage holdings — making Brex the closest analog on credit-modeling approach.
- SoFi Technologies: SoFi is a consumer fintech that combines lending, investing, and a credit card (SoFi Credit Card) under one brand. It is directly comparable to Stelrix in targeting everyday U.S. consumers with a single-platform approach to spending and investing, though SoFi is balance-sheet-funded and far broader.
Emerging players
- Wealthfront: Wealthfront is a robo-advisor and automated-investing platform that overlaps with Stelrix's retail-investor persona. It is an emerging adjacent player because it could plausibly extend its platform into portfolio-linked spending or lending.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Stelrix social profiles
Digital presenceStelrix financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stelrix leadership team
Management profileNumber of profiles
Profiles2 records
Stelrix funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stelrix M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stelrix
What does Stelrix do?
Stelrix issues a single product, the Stelrix Card — described as the first investment-backed credit card — which lets individual U.S. investors spend against their brokerage portfolio in real time without selling assets or taking traditional margin risk. Users connect their existing brokerage accounts via read-only sync, receive a dynamic credit line and APR that adapt every few milliseconds to portfolio and market movements, and use the card anywhere cards are accepted. The platform is powered by the proprietary DCPSP (Dynamic Credit Portfolio Secured Platform) system and a transparent risk-based APR bands engine, with beta scheduled for Q1 2026 and full commercial rollout in early Q2 2026.
Is Stelrix a public or private company?
Stelrix is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Stelrix founded?
Stelrix was founded in 2025. It employs 1 to 10 people.
Where is Stelrix based?
Stelrix is headquartered in New York, United States, in the North America region.
How does Stelrix make money?
Two revenue lines are on record. Transaction/Funding Fees are the primary driver. The others are APR-based Interest.
Who are Stelrix's main competitors?
Broad incumbents on record are Lithic, Marqeta, Apple Card and Stripe (Stripe Issuing). Direct peers are Robinhood, Ramp, Chime, Brex and SoFi Technologies. Wealthfront is listed as an emerging player.
Does Stelrix have an API?
No public API is recorded for Stelrix.
What industry is Stelrix in?
Stelrix's product category is Investment-Backed Credit Cards. Its primary akta.pro industry code is FSAGABAD, Card Issuing Platforms (Issuer Processing), with a secondary code of BPAMAFAH, Card Issuing & Program Management Platforms. Its NAICS code is 522210 and its SIC code is 6153.