Saving and Investing

We make finance fun.

Finance apps are boring and stressful. Cove changes that.

Earn up to

?.??% APY*

Invest in

ETFs

Protected up to

$1M FDIC**

Get it on App Store Get it on Play Store

Cove is not a bank. Please see our footer for *, ** disclaimers and more information.

Old way Vs. Cove

Start an island and join the next generation of finance

Normie

Saving feels like a chore

Investing is too complex to start

Financial apps leave you feeling stressed and unmotivated

Coveling

You're addicted to saving

You started investing

Your goals are tangible and exciting

Wall of love

We're proud to have a community of Covelings who love their islands

"By far best savings account ever! Customer service is always helpful when issues arise, which is something I haven't got at other finance apps. If you have trouble saving like I do, I totally recommend it. Seeing my savings grow in a way that isn't just numbers in black and white on paper is amazing. I get excited everyday to open my treasure boxes and decorate my island."

Allison

"So far I can see a lot of future potential in building a good value folder of investments in this game. The founders do everything to fix any and all issues! I highly recommend this game to anyone looking for a fun way to invest for future returns!"

Tay

"This app is in the early stages but has serious potential. I love the idea of gamifying a savings account. It's done in such a cool way with personalized islands decorated by your money. I can't wait to watch this app grow with time!"

Avery

Allison

Tay

Avery

"An exceptional way to save money! The app works well, it's simple and easy to use. Definitely recommend this for young people having trouble saving money."

Jacob

"The creator and his team came up with a great idea. You can Invest your Money And grow your savings. They came up with Great content. And one great thing about this game. The Admin will like to work with you to see if his investors have good ideas for the game that is rare.This is one of the greatest game ever I love it when you can grow your Island And invest in something you love to do. And yes, I do recommend this game. And thank you. Cove Team Keep up the great work."

Jerry

Allison

Tay

Avery

"An exceptional way to save money! The app works well, it's simple and easy to use. Definitely recommend this for young people having trouble saving money."

Jacob

Jerry

"I absolutely love this app. If you have kids or are a beginner at investing and saving this app is a godsend. It makes saving money fun as opposed to regular bank account."

Ben

"I wasn't sure if I would use this but I really find it fun. I look forwards to the daily shipmemts and trying to find the more rare decorations to make my island special. Plus there's the bonus of saving money which make me feel great!"

Sylvie

"I am addicted. I check my crate every day to see what's new and find myself transferring money in to buy something all the time. I also can't bear the thought of loosing some of my legendary assets. I doubt I'll ever sell them"

Tom

"Imagine being addicted to saving money and managing your personal finance in a way that’s innovative, smart and fun. Whereas most games of this caliber cost you money, this one saves your money for you while still providing the same level of fun."

Mammy

"A unique and fun way of banking that mixes with a social media kinda experience 😜"

Tina

"I absolutely love this app. If you have kids or are a beginner at investing and saving this app is a godsend. It makes saving money fun as opposed to regular bank account."

Ben

Sylvie

Tom

Mammy

"A unique and fun way of banking that mixes with a social media kinda experience 😜"

Tina

Names have been changed to protect client privacy. Testimonials are based on unique experiences from current clients and are not representative of all client experiences. Testimonials are unsolicited, and no cash or non-cash compensation is provided. Investing involves risk, including the possible loss of principal and fluctuation of value. Past performance is no guarantee of future results. Additional information about Eden Financial Technologies Inc. DBA Cove is available in its current disclosure documents, Form ADV, Form ADV Part 2A Brochure, and Client Relationship Summary report which are accessible online via the SEC’s Investment Adviser Public Disclosure (IAPD) database at IAPD - Investment Adviser Public Disclosure - Homepage, using SEC # 801-130646.

How it works

Claim your island in just 5 minutes

Grow your money, no stress required

With simple ETF investing and up to ?.??%* APY on cash and stashes, Cove makes growing your wealth effortless.

Turn financial goals into a fun, visual experience

With Cove, saving is more than just numbers. Customize your virtual island with rare decorations that represent your progress. Every dollar saved brings you closer to a unique, personalized world that grows as you do.

Invest with ease and confidence

Earn competitive interest rates on FDIC-insured savings** and SIPC-protected investments**. With Cove, your money works as hard as you do—without the stress of traditional financial tools.

A community that grows together

Connect with other Covelings through leaderboards, quests, and a dedicated Discord community. Share tips, find motivation, and celebrate milestones with friends.

Securely link your bank account

Cove works with Plaid to link your bank account, making deposits and withdrawals easy and secure.

Meet the team

Cove was started by a group of college friends frustrated with how boring finance was. We would spend money on games and wondered - what if you could buy cool in-game items but keep the money? Nothing existed like that, so we built it.

Join the Discord

David Wolfenden

🏝️@wolfdavo

Cofounder and CEO

David is an obsessive entrepreneur. He leads the Cove team with focus and passion, dedicated to building the future of finance no matter the obstacles. If he’s not coding, designing, writing emails, or brainstorming the next big step for Cove, you’ll find him chasing the best surf.

Liam Howell

🏝️@liam

Cofounder and CTO

Liam leads Cove’s tech vision, architecting the innovative features that make Cove intuitive and engaging. He works closely with the team, tackling complex challenges to deliver only the best to the Covelings. Beyond Cove, he’s surfing, foraging, or camping in the great outdoors.

Sarah Mirsky-Terranova

🏝️@sarah

CCO

Sarah brings her expertise as a compliance executive and lawyer to help navigate regulatory complexities with ease. She empowers the team to focus on delivering value to Covelings. In her personal time, Sarah enjoys traveling and spending quality moments with her daughters and husband.

Ava Lazarov

🏝️@ava

Product & Operations

Ava is Cove’s product manager who turns data into strategic action. She has her hand in many projects across Cove so the team can stay focused on building with Covelings in mind. In her downtime, Ava loves to travel, curl up with a good book, or pursue her creative projects.

Jake Tisdale

🏝️@jake

Marketing

Jake combines creativity and strategy to lead Cove’s Marketing and Communications. With a knack for crafting campaigns and making finance approachable, he turns marketing into stories people love. When he’s not in marketing mode, Jake is hiking, snapping photos, or playing his favorite games.

Gabe Gintalas

🏝️@gabeg

Game Engineer

Gabe's sole mission is bringing imagination to Cove. Inspired by his love of video games, he designs and builds the gaming systems that bring Cove to life. Aside from his role at Cove, Gabe is an outdoorsman, a passionate soccer fan, and an avid gamer.

Frequently Asked Questions

FAQs

Yes! Your stashes and cash in your account are FDIC insured up to $1,000,000**, and your investments are SIPC insured up to $500,000**. We utilize best-in-class security practices, and you can withdraw at any time. Our whole team is super active in Discord too, so if you have any questions or issues come up feel free to come chat with us!

Stop managing money. Start mastering the game.

See your progress, build your wealth, and have fun doing it.

✅ Start building your island for free

✅ Grow your savings effortlessly with up to ?.??% APY*

✅ Make saving and investing as fun as spending

Get it on App Store Get it on Play Store

Eden Financial Technologies Incorporated (“Cove”) is not a bank. Cove is a financial technology company and an SEC-registered Investment Adviser. Registration does not imply a certain level of skill or training. Banking services for legacy Cove accounts are provided by Evolve Bank & Trust, Member FDIC. Banking services for new Cove accounts, and accounts that have been migrated are provided by Alpaca Securities LLC.

* Annual Percentage Yield (APY)
The APY displayed on this website represents the minimum rate available to customers enrolled in the cash sweep program. This APY is subject to change at any time without notice and is not guaranteed. The APY is generated from uninvested cash held in a brokerage account through a sweep program, which is not a traditional savings account. More information can be found in the Alpaca Customer Agreement.

* & ** Cash Sweep Program
Uninvested cash is swept to one or more FDIC-insured program banks through our partner broker-dealer, Alpaca Securities LLC. Each program bank provides FDIC insurance up to $250,000 per depositor, allowing up to $1,000,000 in combined FDIC coverage if your cash is spread across four partner banks. FDIC insurance does not cover any securities or other investments. More information can be found in the Alpaca Customer Agreement.

** Investments & SIPC Insurance
Brokerage services are provided by Alpaca, a registered broker-dealer and member FINRA/SIPC. Investments held in your Cove brokerage account are SIPC protected up to $500,000 (including up to $250,000 for cash). SIPC does not protect against losses due to market fluctuations. More information can be found in the Alpaca Customer Agreement.

Investment advice is provided by Eden Financial Technologies Incorporated DBA Cove. Eden Financial Technologies Incorporated DBA Cove is an SEC-registered investment adviser. Investment advice is provided by Cove and investments in your Cove account are not FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. Alpaca Securities LLC serves as the qualified custodian for Eden Financial Technologies Incorporated DBA Cove. Alpaca Securities LLC is a member of FINRA and SIPC.

Nothing on this website should be considered an offer, solicitation of an offer, tax, legal, or investment advice to buy or sell securities. Any performance information is illustrative in nature and may not reflect actual performance. Account holdings are for illustrative purposes only and are not investment recommendations. All investments are subject to risk and may lose value.

All logos used herein are the respective intellectual property of their copyright holders.

Contact
info@usecove.com

Privacy Policy Terms of Service Evolve EUA Evolve ECC Alpaca Customer Agreement Cash Sweep Program Cove Firm Brochure (ADV Part 2A)Cove Client Relationship Summary Referral Program Policy