tokenized stocks, crypto, cash
Your portfolio should be spendable.
gether turns the eligible part of what you hold into spending power on a card, so you can use your wealth without selling a position every time you need cash.
Eligibility and collateral value are not fixed. They move with price, and with the haircut each asset takes.
| EtherWETH Crypto | $3,550 | -1.44% | $33,370 | 39.6% | $17,395$24,850 at 70% |
|---|---|---|---|---|---|
| Apple, tokenizedAAPLX Tokenized equity | $235 | +0.52% | $22,560 | 26.8% | $11,280$22,560 at 50% |
| BitcoinCBBTC Crypto | $64,000 | -2.72% | $22,400 | 26.6% | $15,680$22,400 at 70% |
| US dollar coinUSDC Cash | $1.00 | 0.00% | $5,920 | 7.0% | $3,600$4,000 at 90% |
- EtherWETH Crypto$33,370-1.44%
- Weight
- 39.6%
- Price
- $3,550
- Locked
- $24,850
- Haircut
- 70%
Collateral value$17,395 - Apple, tokenizedAAPLX Tokenized equity$22,560+0.52%
- Weight
- 26.8%
- Price
- $235
- Locked
- $22,560
- Haircut
- 50%
Collateral value$11,280 - BitcoinCBBTC Crypto$22,400-2.72%
- Weight
- 26.6%
- Price
- $64,000
- Locked
- $22,400
- Haircut
- 70%
Collateral value$15,680 - US dollar coinUSDC Cash$5,9200.00%
- Weight
- 7.0%
- Price
- $1.00
- Locked
- $4,000
- Haircut
- 90%
Collateral value$3,600
Figures on this page describe one example account at the reference prices the pricing engine carries. They are an illustration of how the account works, not an offer, a quote, or anyone's balance.
One card, drawing on every eligible position at once. Add it to a mobile wallet and pay anywhere cards are accepted.
- Available spending power, after haircuts and after what is already drawn.
- The health guardrail: a charge is declined if it would leave locked holdings worth less than 1.25x of what you have drawn.
- Your own card controls: freezes, spend limits and the categories you allow.
how it works
From a position you own to a payment you make.
Five steps, on one account, with the arithmetic shown at every one.
- Step one
Start from what you already hold
Tokenized equities, crypto and cash sit in one account and are valued together.
- Step two
Lock the positions you want to spend against
- Step three
Each asset takes its own haircut
- Step four
Pay with the card
- Step five
The balance moves. The position does not.
Positions unchanged. Nothing was sold to make this payment.
Connect what you already hold
Tokenized stocks, crypto and cash come into one account and are valued together. Supported assets, and what each one counts for, are listed before you add anything.
Get spending power that moves with your positions
Lock the positions you want to spend against. Each takes its own haircut, and what survives is the ceiling. It is recalculated as prices move, not set once.
Spend, then repay on your terms
Pay anywhere cards are accepted. Each charge draws against the ceiling instead of selling, and you repay the drawn balance on a schedule you set.
what counts for what
Every position contributes something different.
Cash counts for almost all of its value. A single-name tokenized equity counts for the least, because it moves the most. Choose a position, or a purchase, to see the arithmetic.
Every locked position counts at its own rate. Add up what survives those rates and you have the ceiling; take off what is already drawn and you have what is available today.
Choose a position or a purchase to see the arithmetic on it.
Which assets are eligible, and the rate each one counts at, are set by the collateral catalog and can change. Nothing on this page is a commitment that a particular asset will be accepted or will count at a particular rate.
why gether
Keep the position. Spend the value.
Selling to spend means exiting something you chose on purpose, and it is not the only way to turn a portfolio into money you can use.
- 01Choose which position to exit
- 02Sell, and take whatever price the market gives that day
- 03Wait for the sale to settle
- 04Move the cash to where you spend it
- 05Your exposure to that position has ended
- 01Lock the positions you are willing to spend against
- 02Spending power appears, at each asset's own haircut
- 03Pay with the card, straight away
- 04The drawn balance is repaid on your schedule
- 05The position stays open and still moves with its market price
This is not free and it is not always the better choice. A drawn balance costs something to carry and has to be repaid, and keeping a position means keeping its downside as well as its upside. Selling ends the exposure; this keeps it.
work it out
What would your portfolio support?
Move the size, the mix and the amount. Every figure is computed by the same engine the account runs on.
Locked collateral is comfortably above the drawn balance. Nothing to do.
Carry is estimated at 18 percent a year, the disclosure figure the account agreement carries. A member's own rate is set on their account and is not quoted here. Haircuts are the ones the collateral catalog applies today and can change; eligibility is decided per asset, not promised in advance. Charges are declined below a health factor of 1.25, and a position that stays there can be sold to settle the balance.
an account, not a limit
It keeps working after the first purchase.
A static limit is set once and reviewed rarely. This is derived from positions that move, so it moves too, and it tells you when that matters.
Spending power tracks your positions
The ceiling is derived from what is locked, at current prices, at each asset's own haircut. It rises and falls with the account instead of being reviewed once a year.
Health is monitored continuously
The cushion between locked collateral and the drawn balance is checked on every authorization, not on a statement cycle.
You are told before it matters
A thinning cushion produces a notification with the exact amount that restores it, rather than a decline you find out about at a checkout.
The arithmetic is visible
Every figure is broken down: what is locked, what it counts for, what is drawn, what that leaves. No score, no black box.
Payments can run themselves
Set a schedule and the account draws to it, or pay by hand. Repayment restores spending power by the amount repaid.
The card has real controls
Freeze, replace, set a spend limit, allow or block online and international purchases, and check what is in your mobile wallet.
security
Built to decline the wrong charge.
The protections that matter run on every single authorization, not in a policy document.
A health-factor guardrail
A charge is declined if it would leave your locked holdings worth less than 1.25x of what you have drawn. That is the same check whether the charge is a coffee or a flight.
Server-verified wallet ownership
Binding a wallet means signing a challenge the server checks, so the browser is never trusted to assert who owns an address.
faq
Common questions.
Do I have to sell my assets to spend them?
No. Spending draws against the value of what you have locked, at a per-asset haircut, so you keep the position and repay the drawn balance over time instead of selling.
Is gether open yet?
Not yet. gether is in a waitlist phase. Join the waitlist for early access, and we will email you when we open it.
What stops me from spending more than my holdings are worth?
A health-factor guardrail declines any spend that would push your position past a safe threshold. You restore headroom by repaying the drawn balance or locking more of what you hold.
What can back my spending power?
Tokenized stocks, crypto, and cash (a USD stablecoin). Each one takes its own loan-to-value haircut, and what each is currently worth is shown in your account before you lock it.
What does it cost?
There is no monthly fee. What a drawn balance costs is shown in your account before your first draw.
What does a haircut actually mean?
A haircut
the share of a locked position that counts toward spending power
early access
Be first in line.
Create your account, or leave your email and hear from us when we open access.
Want to tell us more? Apply in four steps.
Make your wealth usable.
One account holding what you already own, one card drawing on it, and a position you never had to sell.