Build wealth.Build your island.
Finance apps are boring. Cove turns saving into an addictive game that helps you grow wealth as you play.
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
Overdraft Fee
-$35.00
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
Investing just clicked
You hit your goals without trying
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.
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!
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!
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.
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.
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.
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!
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!
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.
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.
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.
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!
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
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.
A unique and fun way of banking that mixes with a social media kinda experience 😜
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.
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!
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
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.
A unique and fun way of banking that mixes with a social media kinda experience 😜
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, using SEC # 801-130646.
Get Started in Minutes
Open your account securely. Your island awaits.
Create Your Account
Sign up in under 2 minutes with secure identity verification. Your information is protected with bank-level encryption.
No minimum deposit required
Why Cove Hits Different
Most finance apps feel like spreadsheets. Cove feels like a game you want to play every day.
Daily Mystery Crates
Every crate reveals different decorations, but it's only available to stash today. Don't wait to stash, because tomorrow brings a new selection.
🎁 The same 'limited time' excitement that hooks you in games, but now it's building your savings
Login Streaks
Daily login streaks with escalating rewards that grow the longer you keep it going. Miss a day? Back to zero.
🔥 That satisfying streak counter becomes your daily reminder to check in on your money
Quest Board
Complete daily, weekly, and monthly quests for rewards. There's always something to work toward.
🎯 Turn 'save $10' into a completionist's dopamine hit instead of a chore
100+ Collectible Decorations
Pokémon-style "gotta catch 'em all" collection with rarity tiers from Common to Mythic. Plus 50+ badges to earn.
📚 Complete the Decodex and you'll have over $2,000 saved without even thinking about it
Friends & Leaderboards
Visit friends' islands, compare collections, and compete across 8 leaderboards for Most Saved, Best Island, and more.
🏆 There's no need to spend to flex, save to show off your high value island instead
Island Design
Build a truly unique island. Customize terrain, place beaches, shape the land, and arrange every decoration exactly where you want it.
🏝️ The more you invest in your island, the more you invest in your future
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
Liam Howell
🏝️@liam
Cofounder and CTO
Sarah Mirsky-Terranova
🏝️@sarah
CCO
Ava Lazarov
🏝️@ava
Product & Operations
Jake Tisdale
🏝️@jake
Marketing
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.
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 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