Cera

What Cera does

Cera is a Y Combinator-backed, stablecoin-funded brokerage platform that lets users worldwide deposit USDC or USDT and trade US equities (including fractional shares from a $2 minimum) through iOS, Android, and web applications. The product is delivered by Finwise (BVI) Ltd., a British Virgin Islands entity, with user funds custodied through Fireblocks using MPC-CMP combined with hardware isolation, and stablecoin deposits matched 1:1 into a USD cash balance to neutralize de-pegging exposure. Distribution is fully self-serve via the App Store, Google Play, and getcera.com, and the platform layers a Reward Center ($2 sign-up bonus plus task-based rewards up to $50) and a Referral Program (up to $50 per eligible referee, paid in USDC and force-converted to a user-chosen stock) on top of the core trading experience to drive viral acquisition in the global web3 community.

The business model is anchored in transaction-related revenue: the Terms of Service reference revenue Cera obtains in connection with rendering the services, with the majority of user digital assets reportedly deposited with third-party Value Generating Platforms (VGPs), implying spread, fee, or yield intermediation on parked balances. Withdrawal fees may apply as published on the platform, and the forced USDC-to-stock conversion of reward and referral payouts creates an additional intermediation surface. No public trading commission schedule, subscription fee, or minimum deposit beyond the $2 fractional-share floor is disclosed; account registration is free and KYC is required before trading.

Cera serves three overlapping retail segments: global crypto/stablecoin holders seeking US equity exposure, non-US residents blocked from opening US brokerage accounts, and low-budget or first-time investors wanting fractional access to high-priced US stocks. The company is privately held, employs 1–10 people, is headquartered in San Francisco (with the legal seat in Road Town, BVI), and is led by co-founders Jasmine Huynh (CEO) and Phi Dang (CTO), both described as former Google engineers.

Name

Cera

Legal name

Finwise (BVI) Ltd.

Website

https://getcera.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Cera is a Y Combinator-backed brokerage platform that lets global retail users deposit USDC or USDT stablecoins and trade US stocks — including fractional shares from $2 — via mobile and web apps, with funds custodied by Fireblocks.

Ownership category

akta.pro rank

Product category

Retail Brokerage

NAICS

Investment Banking and Securities Intermediation (523150), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Security Brokers, Dealers & Flotation Companies (6211), Finance Services (6199)

akta.pro primary industry

Retail Crypto Brokerages (Simple Buy/Sell) (FSADAAAB)

akta.pro secondary industries

Crypto Custody & Exchange Wallet Services (Integrated) (FSADAAAG), Fiat On/Off-Ramps & Payment Rails (Exchange-Operated) (FSADAAAF)

Keywords

• Stablecoin stock trading
• Fractional share investing
• Crypto-funded brokerage
• Retail trading platform
• Mobile investment app

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Operations, Marketing or Sales, Personnel, Infrastructure

Revenue model

1. Service fees and value-generating platform (VGP) intermediation: Cera acts as an intermediary depositing the majority of user digital assets with third-party Value Generating Platforms (VGPs); the Terms of Service reference 'revenue that Cera obtained in connection with rendering the Services' suggesting a spread, fee, or yield intermediation revenue model. Withdrawal fees may apply as published on the Platform.
2. Referral reward float / forced-conversion reward mechanics: Referral rewards are paid in USDC and forced-converted into a stock of the user's choice upon collection, allowing Cera to intermediate the USDC-to-stock conversion (potentially earning spread).

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Cera is a mobile and web brokerage platform that lets users worldwide fund stock purchases with stablecoins (USDC, USDT), each pegged 1:1 to USD on deposit, and trade fractional shares of US-listed equities (hundreds of tickers including TSLA, AAPL, MSFT, AMZN, NKE) with a $2 minimum. Custody of digital assets is handled via Fireblocks' MPC-CMP infrastructure with hardware isolation, and supporting modules include a Reward Center for sign-up and task-based incentives and a Referral Program paying USDC rewards (forcibly converted to stock) for eligible referee deposits.

Product overview

Cera is a unified cross-border investing platform delivered through the Cera App (iOS/Android) and the Cera Web Platform at getcera.com. Its core offering lets users worldwide deposit stablecoins (currently USDC and USDT, 1:1 matched into USD cash in the platform) and trade US stocks — including fractional shares from $2 — across hundreds of tickers, with watchlist and portfolio tooling. Two embedded incentive modules extend the platform: the Reward Center, which issues sign-up and task-based cash rewards convertible into user-chosen stocks, and the Referral Program, which pays verified referrers USDC-denominated rewards (forcibly converted to stock) for each eligible referee who meets deposit milestones. Together, the trading core and these two reward modules form Cera's complete product surface for global investors.

Differentiator

Problem solved

Functional benefit

Products and services

• Cera App Mobile application distributed via the iOS App Store and Google Play that lets users worldwide fund US stock purchases with USDC/USDT stablecoins, search and trade across hundreds of US tickers (TSLA, AAPL, MSFT, NKE, AMZN), buy fractional shares from a $2 minimum, earn dividends, and manage watchlists and portfolios via a mobile-first interface.
• Cera Web Platform Web application hosted at getcera.com that delivers the Cera investment experience in a browser, including stablecoin deposit via a unique one-time virtual wallet address, stock search, trade placement, watchlist, and portfolio tools for global retail investors.
• Cera Referral Program Refer-a-friend program built into the Cera platform that lets verified users invite unlimited referees and claim USDC-denominated rewards valued $1 to $50 per eligible referral, with rewards forcibly converted into a user-chosen stock on collection subject to net-deposit milestones and balance-holding requirements.

Quantifiable outcome

• Minimum investment of $2 enables fractional share access to high-priced US stocks
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/GetCera
• Facebookfb.com/getcera
• LinkedInlinkedin.com/company/getcera

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cera