GalaxyOne Cash account deposits held at Cross River Bank, Member FDIC. Insured up to $250,000. Debit Card issued by Cross River Bank, Member FDIC.
APY is variable and may change at any time before or after account opening.
An accredited investor, as defined by the U.S. Securities and Exchange Commission (SEC) under Rule 501 of Regulation D, includes an individual permitted to invest in certain private securities offerings not registered with the SEC. This status is based on income or net worth.
Galaxy Premium Yield is an investment product and is not a bank deposit or other obligation of, or guaranteed by, any bank. It is not insured by the FDIC or any other governmental agency. The note is unsecured, and investors may lose some or all of their principal. Past performance is not indicative of future results. Interest earned is taxable as ordinary income; please consult your tax advisor regarding your individual tax circumstances.
Galaxy Premium Yield Investment Note to be offered and sold has not been registered under the Securities Act of 1933, as amended, or states securities laws and may not be offered or sold absent registration with the SEC or an applicable exemption from the registration requirements. This shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of the Galaxy Premium Yield Investment Note in any state in which such offer, solicitation, or sale would be unlawful prior to registration or qualification under the securities laws of such state.
To obtain more information and to consider investing in Galaxy Premium Yield, please see reference here.
Digital assets are highly volatile, not legal tender, and not backed by any government. Investments in cryptoassets involve significant risk, including the potential loss of all principal. Digital assets available on GalaxyOne are held in custodial wallets with Paxos Trust Company, a New York State-chartered trust company regulated by the New York Department of Financial Services. These assets are not insured by the FDIC or SIPC.
Crypto trading on GalaxyOne may be subject to execution, network, or withdrawal fees, including applicable blockchain transaction ("gas") fees. While GalaxyOne does not charge spread markups, other costs may apply. Crypto transactions may trigger taxable events; please consult your tax advisor to understand your individual tax obligations.
GalaxyOne’s crypto services are offered in partnership with Paxos. By using these services, you agree to the GalaxyOne Digital Asset Customer Agreement and Risk Disclosure, available at Paxos Customer Agreement.
GalaxyOne Brokerage accounts are introduced by Fin2, LLC and offered through DriveWealth, LLC, a registered broker-dealer and member FINRA/SIPC. Securities products are not FDIC insured, not bank guaranteed, and may lose value. Commission-free trading refers to $0 commissions for self-directed individual cash brokerage accounts on U.S.-listed equities and ETFs. Other fees and charges (including regulatory fees, foreign transaction fees, and wire transfer fees) may apply. Fractional share trading is available for certain eligible securities; not all securities are available for fractional trading.
GalaxyOne Brokerage accounts and services are available only to U.S. persons who successfully complete KYC verification. All investing involves risk, including the potential loss of principal. You should carefully consider your investment objectives and risk tolerance before trading. Nothing herein should be construed as an offer, solicitation, or recommendation to buy or sell any security.
Extended hours trading involves additional risks, including reduced liquidity, increased volatility, and wider spreads. Prices may differ substantially from prices during regular market hours.
Traditional and Roth IRAs are subject to IRS rules and contribution limits. Consult a tax advisor for guidance specific to your circumstances.
The GalaxyOne Stock Lending Program is offered through FIN2, member FINRA/SIPC, with clearing and custody services provided by DriveWealth LLC, a registered broker-dealer and member FINRA/SIPC. Participation is optional and subject to eligibility requirements. By participating, you agree that certain fully paid or excess margin securities in your account may be lent to other market participants for a fee. Income from stock lending is not guaranteed and may vary over time based on market demand and other factors. Participation in the program does not affect your ability to sell the lent securities; however, sale requests may take additional time to settle if the securities are on loan. Stock lending involves risks, including, but not limited to, the risk of borrower default, loss of voting rights, and potential tax implications. You may not receive dividends on lent securities. Past income from stock lending is not indicative of future results. See the Stock Lending Program Terms and Conditions for full details.
Stock lending involves risks, including but not limited to: (1) Loss of shareholder rights — While your securities are on loan, you will not have voting rights; (2) Loss of income on lent securities — You may not receive dividends or other distributions during the loan period; (3) Borrower credit risk — If the borrower defaults, you may not be able to recover the lent securities promptly, and market conditions could affect their value upon return; (4) Market risk — The value of lent securities may fluctuate during the loan term, and you may be forced to buy back securities at a higher price if needed to close a position; (5) Tax considerations — Any substitute payments received in place of dividends may be taxed differently than qualified dividends. Consult a tax advisor.
