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Access Start with Welta

Grow your wealth with a strategy.

Welta helps you grow and align your money with your goals.

Start with Welta See how it works
SIPC protection up to USD 500,000 Personalized strategy 24/7 guidance
Your goal

Buy a home

Time horizon8 years

On track

Welta / SmartInvest Aligned
Your plan

A strategy built around your life.

Diversified portfolio Continuous monitoring
AI Wealth Coach · 24/7

Your strategy remains aligned with your goal. This month you do not need to make any changes.

Ask SmartInvest

Your money deserves more than an investment account.

A strategy with clear rules

The plan is built around your goal, horizon, and risk.

Guidance available 24/7

Backed by professionals.

Transparency about your investment

See composition, activity, and documents in one place.

U.S. regulatory backing

Custody and protection under the U.S. regulatory framework, with SEC, FINRA, and SIPC standards.

Choose how involved you want to be.

Two ways to invest from the same account.

An experience that becomes more personalized with every interaction.

Your context

  • Your goals
  • Your time horizon
  • Your risk profile
  • Your questions and decisions
Living profile SmartInvest

Each interaction adds context so your experience evolves with you.

Your experience

Recommendations that evolve with you

Your profile and context shape every recommendation.

Answers about your investments, whenever you need them

Ask about your profile, your strategy, or your investments, 24/7.

Invest with U.S. regulatory backing.

Brokerage and custody services are provided by Alpaca Securities LLC, a FINRA/SIPC member. Automated investment management is offered by W2B, Inc., an SEC-registered investment adviser (CRD# 331220).

Regulated custody

Your securities are held by Alpaca Securities LLC, a FINRA/SIPC member broker-dealer.

SIPC protection

Protection up to USD 500,000, including up to USD 250,000 for cash claims.

Fiduciary management

W2B, Inc. provides automated investment management as an SEC-registered investment adviser with a fiduciary duty to the client.

Your investments, also within reach.

Debit card

Use the money available in your Welta account for everyday spending.

Credit backed by your investments

Access liquidity without selling your portfolio.

Products are subject to their applicable terms, costs, and eligibility requirements.

Your money already has a purpose. Give it a strategy.

A personalized portfolio, continuous monitoring, and 24/7 guidance to help you move toward your goals.

Start with Welta

Everything important, explained clearly.

01How much does it cost to invest with Welta?
Simple plans, clear pricing, full access.

You pay one annual fee on your total invested capital, billed every six months in advance. Every plan includes full access to all three products.

Plan Invested capital (USD) Annual fee
Tier 1 $0 – $25,000 2.00%Billed semiannually in advance
Tier 2 $25,001 – $100,000 1.20%Billed semiannually in advance
Tier 3 $100,001 – $250,000 1.00%Billed semiannually in advance
Tier 4 More than $250,000 0.80%Billed semiannually in advance
Interest-bearing account Real-time trading Automated portfolios
02Can I withdraw my money whenever I want?

Yes. The time horizon defined for the robo-advisor is used only to configure your portfolio. Your assets are highly liquid, and you can withdraw all or part of your money at any time.

03How is my account protected?

Your investment account is individual, held in your name, and custodied by a financial institution authorized and regulated by the SEC and FINRA. It also has SIPC protection up to USD 500,000.

An SEC-registered investment adviser is assigned to your account. The adviser does not have direct access to your funds and manages them only according to your profile and goals. You can withdraw or transfer your money at any time.

Learn more about SIPC →
04How do I fund my account, and what does it cost?

You can fund your account through standard U.S. methods such as ACH, Wire transfers, or ACATs at no cost. International SWIFT transfers do not carry a fee from Welta.

ACHWireACATsSWIFT

In some Latin American countries, we offer local deposit methods. Costs vary by currency, amount, and channel and are shown clearly in the platform before you confirm. We recommend checking with your financial institution for any additional fees.

05Does Welta tell me what to invest in?

It depends on the product. Welta gives you three different ways to use your account:

Real-time tradingYou freely choose what to invest in.
Interest-bearing accountYour available balance is automatically put to work to generate daily interest.
Robo-advisorThe platform builds and manages a portfolio based on your profile.
06Does Welta offer a solution for financial advisors?
Add clients. Reduce overhead. Increase revenue.

Welta.us automates portfolio administration and client service, helping financial advisors scale their business, reduce operational overhead, and monetize smaller accounts without increasing their workload.

  • Delegated managementDelegate investment management and daily support.
  • More capacityServe more clients without hiring more staff.
  • Accessible accountsAccept smaller accounts without affecting profitability.
  • Flexible billingChoose the billing model that works for your business.
Start with Welta