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Introducing GalaxyOne for Business: Treasury Management for Entities

Announcements

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Introducing GalaxyOne for Business: Treasury Management for Entities

Apply for early access to GalaxyOne for Business. 

For too long, businesses have had to piece together fragmented tools to manage their treasury. Most financial institutions support only one part of a company's portfolio, creating operational complexity and limited visibility into how capital is actually working.

GalaxyOne for Business was built to change that.

Backed by Galaxy Digital's (Nasdaq: GLXY) proven infrastructure and risk management, and built on the same financial technology platform used today by GalaxyOne's individual clients, GalaxyOne for Business brings cash management, brokerage investments, and digital asset management together in a single, integrated treasury platform. As a strategic expansion of GalaxyOne's platform capabilities, GalaxyOne for Business extends the same product suite built for individual investors to U.S. entities, including LLCs and trusts.

With GalaxyOne for Business, clients can generate passive income on cash reserves, invest across crypto and U.S. equities, access staking services for solana (SOL), and manage treasury operations without juggling multiple banks, brokers, or custodians all from one unified interface.

Here’s what defines GalaxyOne for Business as a leading solution for multi-asset treasury management:

1. Passive Income Built for Your Balance Sheet 

GalaxyOne for Business enables businesses to generate passive income on cash reserve balances without disrupting liquidity or operational flexibility. Clients can earn competitive yield on cash reserves through the following products: 

  • Galaxy Premium Yield: Entities and trusts verified as U.S. accredited investors can earn 8.00% yield* on up to $1 million in cash investments with Galaxy Premium Yield, an investment note issued by Galaxy Digital LP and guaranteed by Galaxy Digital Holdings LP, a subsidiary of Galaxy Digital Inc. (Nasdaq: GLXY). Learn more.

  • High-Yield Commercial Cash Account: Earn 3.25% Annual Percentage Yield (APY)** on your cash with FDIC insurance up to $250,000. This interest-bearing cash deposit account is designed for short-term liquidity and capital preservation. Banking services provided by Cross River Bank, member FDIC.

Both high-yield cash and investment options operate seamlessly within the GalaxyOne platform. Interest is accrued daily and paid out monthly into the GalaxyOne Cash account with the option to automatically reinvest cash interest payments into the crypto, stock, or ETF of choice, enabling portfolio diversification without manual intervention.

2. Multi-Asset Treasury Management 

GalaxyOne for Business supports diversified treasury and investment strategies across asset classes within a single platform with a multi-asset dashboard view, unified transaction history, and recurring buy options to automate investments.

  • GalaxyOne Brokerage: Entities can also invest in commission-free U.S. stocks and ETFs with extended market trading hours in the brokerage account.*** 

  • GalaxyOne Crypto: Clients can buy, sell, transfer, and hold crypto, including bitcoin (BTC), ether (ETH), and solana (SOL), with real-time execution, transparent pricing and no spreads charged on trades.****

  • GalaxyOne Staking: Eligible businesses and entities can access staking services for SOL with 0% commission on staking rewards through December 31, 2026. While other platforms charge up to 35% in commission, GalaxyOne allows clients to keep more rewards and earn up to an estimated 6.50% in variable staking rewards. Staking services are powered by Galaxy’s institutional validator, one of the largest global operations on the Solana network.*****

By consolidating multi-asset investing accounts into one single user interface, GalaxyOne provides a clear, real-time view of treasury allocation and performance to business owners, operators and individuals with trusts or LLCs.

3. Seamless Onboarding Experience

Open a commercial cash account, brokerage account, and crypto account for your entity through one streamlined digital onboarding experience accessible via desktop and mobile devices. GalaxyOne for Business is designed to make your treasury setup and day-to-day portfolio management easy, intuitive, and efficient, reducing the friction traditionally associated with opening and managing multiple logins.

4. Treasury Operations, Simplified 

Businesses no longer need to piece together fragmented tools. GalaxyOne for Business provides a fully integrated multi-asset treasury management experience for your entity. GalaxyOne for Business allows owners and operators to monitor balances, allocate capital, earn yield, and manage investments from a single platform without relying on multiple financial institutions or systems with a single transaction history. Treasury management becomes a strategic advantage, not an operational burden.

5. Dedicated Client Service Team

Business account holders have direct access to the GalaxyOne Client Service team with expertise across treasury management, crypto markets, and traditional equities. Our U.S.-based team is available Monday through Friday, 9:00am to 8:00pm ET via phone, email, and in-app chat.

During the early access period, GalaxyOne for Business will be available to a limited number of qualifying U.S. entities. Apply now for early access to GalaxyOne for Business. 

If you would like to open a personal account on GalaxyOne, get started here. 

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*Galaxy Premium Yield is for accredited investors only and subject to change with a 30-day notice period

**Annual percentage yield (APY) is effective as of 12/11/2025 and subject to change at any time. 

***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 GalaxyOne and offered through FIN2, a registered broker-dealer and member FINRA/SIPC, with clearing and custody provided by DriveWealth LLC, 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.

*****Reward rate is estimated, variable, and not guaranteed. Rewards are variable and may increase or decrease. Actual returns depend on network conditions. Past performance is not indicative of future results. 0% platform commission through December 31, 2026. Platform commission is defined as the fee GalaxyOne charges to access staking on GalaxyOne and applies to Inflation and eligible MEV rewards earned while assets remain actively staked. Validators may retain transaction fees and certain protocol-level rewards associated with block production. Residual MEV rewards that are distributed after your assets are unstaked will not be credited to your account. Network transaction fees for sending and receiving SOL still apply.

For educational purposes only; not a recommendation or solicitation

Important Risk Disclosures

GalaxyOne is a financial technology platform, not a bank, not a broker dealer.

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.

Annual percentage yield (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.

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 have 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.

Staking services (“Staking Services”) are available through the online platform operated by GalaxyOne Holdings LLC (“GalaxyOne”). Money transmission services in connection with the staking services available on the GalaxyOne platform are provided by GalaxyOne Prime LLC (“G1 Prime”), a FinCEN registered money services business (MSB Registration No.: 31000319084642) and a multi-state licensed money transmitter (NMLS ID: 1988685).
 
Registration and licensure do not imply endorsement, approval, or recommendation by any federal or state regulator. The availability of Staking Services is subject to eligibility. Staking digital assets involves risks and staking rewards are variable, not guaranteed, and may be subject to network and other fees. Digital assets are generally highly volatile and can lose value, and digital assets staked through the GalaxyOne platform may not be immediately available for withdrawal even during periods of high volatility. Staking rewards are not guaranteed and any references to staking reward rates are estimates. Actual staking awards received may vary and depend on several factors including network conditions. Past performance is not indicative of future results and is in no way a guarantee of any outcome. Staking services are not available to residents of California, Maryland, New Jersey, Wisconsin, Washington, New York, Louisiana, Pennsylvania, Tennessee, or Nevada. GalaxyOne Prime LLC is not a bank. Digital assets are not deposits and are not insured by the FDIC or any governmental agency. Additional information and a list of licenses held by G1 Prime can be found via the Consumer Access page available at www.nmls.org. Please see visit GalaxyOne Staking Terms for applicable terms, conditions, and other important disclosures.

GalaxyOne Brokerage accounts are introduced by GalaxyOne and offered through FIN2, a registered broker-dealer and member FINRA/SIPC, with clearing and custody provided by DriveWealth LLC, 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.


Consumer lending products are offered by GalaxyOne Lending LLC (NMLS ID: 2741667). Not all applicants may be eligible or approved. All loans are subject to market conditions, portfolio value, loan amount, and other factors. Any examples of how loan proceeds may be used are for illustrative purposes only. Any rates, or payment examples shown are for illustrative purposes only, are not guaranteed, and do not constitute an approval, pre-approval, or commitment to enter into a loan. Collateral remains subject to market fluctuations and liquidation risk. Borrowing is generally not a taxable event. Consult your tax advisor.


Brokerage, digital asset, and other investment services are offered separately by GalaxyOne Holdings LLC and its partners.

Important Risk Disclosures

GalaxyOne is a financial technology platform, not a bank, not a broker dealer.

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.

Annual percentage yield (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.

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 have 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, N.A., an OCC-chartered, uninsured national trust bank supervised by the Office of the Comptroller of the Currency. 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 Paxos User Terms and Conditions, including the applicable Trading Terms and Risk Disclosures, available here.

Staking services (“Staking Services”) are available through the online platform operated by GalaxyOne Holdings LLC (“GalaxyOne”). Money transmission services in connection with the staking services available on the GalaxyOne platform are provided by GalaxyOne Prime LLC (“G1 Prime”), a FinCEN registered money services business (MSB Registration No.: 31000319084642) and a multi-state licensed money transmitter (NMLS ID: 1988685).
 
Registration and licensure do not imply endorsement, approval, or recommendation by any federal or state regulator. The availability of Staking Services is subject to eligibility. Staking digital assets involves risks and staking rewards are variable, not guaranteed, and may be subject to network and other fees. Digital assets are generally highly volatile and can lose value, and digital assets staked through the GalaxyOne platform may not be immediately available for withdrawal even during periods of high volatility. Staking rewards are not guaranteed and any references to staking reward rates are estimates. Actual staking awards received may vary and depend on several factors including network conditions. Past performance is not indicative of future results and is in no way a guarantee of any outcome. Staking services are not available to residents of California, Maryland, New Jersey, Wisconsin, Washington, New York, Louisiana, Pennsylvania, Tennessee, or Nevada. GalaxyOne Prime LLC is not a bank. Digital assets are not deposits and are not insured by the FDIC or any governmental agency. Additional information and a list of licenses held by G1 Prime can be found via the Consumer Access page available at www.nmls.org. Please see visit GalaxyOne Staking Terms for applicable terms, conditions, and other important disclosures.

GalaxyOne Brokerage accounts are introduced by GalaxyOne and offered through FIN2, a registered broker-dealer and member FINRA/SIPC, with clearing and custody provided by DriveWealth LLC, 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.


Consumer lending products are offered by GalaxyOne Lending LLC (NMLS ID: 2741667). Not all applicants may be eligible or approved. All loans are subject to market conditions, portfolio value, loan amount, and other factors. Any examples of how loan proceeds may be used are for illustrative purposes only. Any rates, or payment examples shown are for illustrative purposes only, are not guaranteed, and do not constitute an approval, pre-approval, or commitment to enter into a loan. Collateral remains subject to market fluctuations and liquidation risk. Borrowing is generally not a taxable event. Consult your tax advisor.


Brokerage, digital asset, and other investment services are offered separately by GalaxyOne Holdings LLC and its partners.

Important Risk Disclosures

GalaxyOne is a financial technology platform, not a bank, not a broker dealer.

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.

Annual percentage yield (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.

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 have 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.

Staking services (“Staking Services”) are available through the online platform operated by GalaxyOne Holdings LLC (“GalaxyOne”). Money transmission services in connection with the staking services available on the GalaxyOne platform are provided by GalaxyOne Prime LLC (“G1 Prime”), a FinCEN registered money services business (MSB Registration No.: 31000319084642) and a multi-state licensed money transmitter (NMLS ID: 1988685).
 
Registration and licensure do not imply endorsement, approval, or recommendation by any federal or state regulator. The availability of Staking Services is subject to eligibility. Staking digital assets involves risks and staking rewards are variable, not guaranteed, and may be subject to network and other fees. Digital assets are generally highly volatile and can lose value, and digital assets staked through the GalaxyOne platform may not be immediately available for withdrawal even during periods of high volatility. Staking rewards are not guaranteed and any references to staking reward rates are estimates. Actual staking awards received may vary and depend on several factors including network conditions. Past performance is not indicative of future results and is in no way a guarantee of any outcome. Staking services are not available to residents of California, Maryland, New Jersey, Wisconsin, Washington, New York, Louisiana, Pennsylvania, Tennessee, or Nevada. GalaxyOne Prime LLC is not a bank. Digital assets are not deposits and are not insured by the FDIC or any governmental agency. Additional information and a list of licenses held by G1 Prime can be found via the Consumer Access page available at www.nmls.org. Please see visit GalaxyOne Staking Terms for applicable terms, conditions, and other important disclosures.

GalaxyOne Brokerage accounts are introduced by GalaxyOne and offered through FIN2, a registered broker-dealer and member FINRA/SIPC, with clearing and custody provided by DriveWealth LLC, 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.


Consumer lending products are offered by GalaxyOne Lending LLC (NMLS ID: 2741667). Not all applicants may be eligible or approved. All loans are subject to market conditions, portfolio value, loan amount, and other factors. Any examples of how loan proceeds may be used are for illustrative purposes only. Any rates, or payment examples shown are for illustrative purposes only, are not guaranteed, and do not constitute an approval, pre-approval, or commitment to enter into a loan. Collateral remains subject to market fluctuations and liquidation risk. Borrowing is generally not a taxable event. Consult your tax advisor.


Brokerage, digital asset, and other investment services are offered separately by GalaxyOne Holdings LLC and its partners.

Important Risk Disclosures

GalaxyOne is a financial technology platform, not a bank, not a broker dealer.

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.

Annual percentage yield (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.

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 have 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.

Staking services (“Staking Services”) are available through the online platform operated by GalaxyOne Holdings LLC (“GalaxyOne”). Money transmission services in connection with the staking services available on the GalaxyOne platform are provided by GalaxyOne Prime LLC (“G1 Prime”), a FinCEN registered money services business (MSB Registration No.: 31000319084642) and a multi-state licensed money transmitter (NMLS ID: 1988685).
 
Registration and licensure do not imply endorsement, approval, or recommendation by any federal or state regulator. The availability of Staking Services is subject to eligibility. Staking digital assets involves risks and staking rewards are variable, not guaranteed, and may be subject to network and other fees. Digital assets are generally highly volatile and can lose value, and digital assets staked through the GalaxyOne platform may not be immediately available for withdrawal even during periods of high volatility. Staking rewards are not guaranteed and any references to staking reward rates are estimates. Actual staking awards received may vary and depend on several factors including network conditions. Past performance is not indicative of future results and is in no way a guarantee of any outcome. Staking services are not available to residents of California, Maryland, New Jersey, Wisconsin, Washington, New York, Louisiana, Pennsylvania, Tennessee, or Nevada. GalaxyOne Prime LLC is not a bank. Digital assets are not deposits and are not insured by the FDIC or any governmental agency. Additional information and a list of licenses held by G1 Prime can be found via the Consumer Access page available at www.nmls.org. Please see visit GalaxyOne Staking Terms for applicable terms, conditions, and other important disclosures.

GalaxyOne Brokerage accounts are introduced by GalaxyOne and offered through FIN2, a registered broker-dealer and member FINRA/SIPC, with clearing and custody provided by DriveWealth LLC, 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.


Consumer lending products are offered by GalaxyOne Lending LLC (NMLS ID: 2741667). Not all applicants may be eligible or approved. All loans are subject to market conditions, portfolio value, loan amount, and other factors. Any examples of how loan proceeds may be used are for illustrative purposes only. Any rates, or payment examples shown are for illustrative purposes only, are not guaranteed, and do not constitute an approval, pre-approval, or commitment to enter into a loan. Collateral remains subject to market fluctuations and liquidation risk. Borrowing is generally not a taxable event. Consult your tax advisor.


Brokerage, digital asset, and other investment services are offered separately by GalaxyOne Holdings LLC and its partners.