Lotvs

Sign in with Google. No seed phrase.

Money that’s actually yours.

Hold digital dollars, invest in US stocks, the S&P 500, gold and crypto, and send money anywhere. One app, and only you hold the keys.

Free to sign up. Also works with Phantom, Solflare and Backpack.

  • We never hold your money
  • Fractions of US stocks, 24/7
  • Send worldwide in seconds
Illustrative screen, not real account data.

Names you know, plus the S&P 500, gold and crypto

  • NVIDIANVDAx
  • TeslaTSLAx
  • AppleAAPLx
  • AlphabetGOOGLx
  • AmazonAMZNx
  • S&P 500SPYx
  • MicrosoftMSFTx
  • MetaMETAx
  • RobinhoodHOODx
  • CoinbaseCOINx
  • GoldGLDx
  • BitcoinwBTC
  • SolanaSOL

Your money, under your control

We can’t freeze it.We can’t lend it out.We can’t move it.Only you can.

Lotvs never holds your money. It lives in a wallet that belongs to you, and nothing moves until you say so.

  • You hold the keys

    Your account is a wallet that belongs to you. No one else can sign for it, including us.

  • No seed phrase

    Sign in with Google and your wallet is set up for you. Nothing to write down, no extension to install.

  • Open by design

    Every transaction is recorded on Solana’s public ledger, so you can check it yourself.

Nothing leaves your wallet until you approve it.

Grow your money

US stocks, the S&P 500, gold and crypto. In one app.

Buy a slice of the companies you know without paying for a whole share. Trade 24/7, and see every fee before you confirm.

  • NVIDIA
  • Tesla
  • Apple
  • Alphabet
  • Amazon
  • Microsoft
  • Meta
  • Robinhood
  • Coinbase

US stocks

NVIDIA, Tesla, Apple and six more big names as tokenized stocks. Buy fractions, at any hour.

SPYx
500

The S&P 500

Follow 500 of the largest US companies with a single token.

Gold

Add gold to your mix without buying bars or paying for a vault.

Crypto

Bitcoin (as wrapped BTC) and SOL, right next to your stocks.

Recurring buys

Invest automatically every day, week or month. No need to time the market or remember to buy.

  • Magnificent 77 tech leaders, equal weight+3
  • Cloud & TechAlphabet, Amazon and Apple

Baskets

Pick a theme instead of a single stock. Buy a curated basket like Magnificent 7 or Cloud & Tech from a single screen.

AI portfolio assistant

Ask questions about your portfolio and get answers in plain words. General information only, not financial advice.

Dollar balance
$1,240.00
USDC
Mexico CityBogotáSão PauloBuenos AiresLisbon
  • Receivedfrom 9aQ…3kT+$200.00
  • Sentto 4mP…8Lw$50.00
Illustrative example, not real account data.

A global account

One dollar balance. Reachable from anywhere.

Keep your money in digital dollars (USDC) and reach it wherever you are. Send and receive around the world in seconds, any day of the week.

  • Get paid with a QR code

    Share your code or address and receive dollars from anyone, anywhere.

  • Send in seconds

    Transfers settle on Solana in seconds, 24/7, usually for a fraction of a cent.

  • Top up with a card

    Add funds with a card through MoonPay, where it’s available.

  • No account abroad needed

    Reach US stocks and dollars without opening an account in another country. Availability varies by country.

On the roadmap, not available yet

  • Pix and local currenciesComing soon
  • Earn on idle cashComing soon
  • A card for your dollarsComing soon

How it works

Get started in three steps.

  1. Step 1: Sign in

    Use your Google account, or connect Phantom, Solflare or Backpack. With Google, your wallet is created for you.

  2. Step 2: Add dollars

    Top up with a card through MoonPay, or receive USDC from another Solana wallet or exchange.

  3. Step 3: Invest and move money

    Buy stocks, the S&P 500, gold or crypto, set up recurring buys, or send dollars to anyone.

FAQ

Straight answers.

The short version: your money stays yours, and investing always carries risk.

Who holds my money?

You do. Lotvs is non-custodial: your dollars and investments sit in a wallet that only you control. We never hold your funds, and we can’t freeze, move or lend them.

Do I need to understand crypto?

No. Sign in with Google and a wallet is set up for you automatically, with no seed phrase and no browser extension. Already use Phantom, Solflare or Backpack? Connect it instead.

What am I buying when I buy a stock?

A tokenized stock (an xStock, issued by Backed) that tracks the price of the real share. You can buy and sell it 24/7, in fractions. It isn’t the share itself and doesn’t come with shareholder rights such as voting.

Is my dollar balance real dollars?

Your balance is held in USDC, a digital dollar issued by Circle and designed to keep a 1:1 value with the US dollar. It isn’t a deposit and isn’t covered by any deposit insurance.

What does it cost?

Signing up is free. Each trade includes a small platform fee that’s always shown before you confirm. Solana network fees are usually a fraction of a cent, and card top-ups carry MoonPay’s own fees.

Can I lose money?

Yes. Stocks, gold and crypto go up and down, and you can get back less than you put in. Lotvs never promises returns. Only invest what you can afford to lose.

Where can I use it?

Lotvs is built for people outside the United States. Tokenized stocks aren’t offered to US persons or in some other places, and card top-ups depend on MoonPay’s coverage where you live.

Make your money actually yours.

Sign in with Google and you’re set in seconds. Or connect the wallet you already use.

Free to sign up. Investing involves risk.