Savings · Brokerage & IRA · Crypto exchanges · Wallets

Choose where your money lives,
by the evidence.

VaultRubric compares where your money lives (savings, brokerages & IRAs, crypto exchanges & wallets) by sourced evidence, plus facts-only markets tracking. Every score shows its sources, dates and math.

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How our scores work

Scored 0–10 from sourced data, then weighted.

  • 💸FeesTrading and deposit fees from official fee schedulese.g. coinbase.com
  • 🛡️Security & track recordHacks, proof of reserves, licensing, insurancee.g. sec.gov
  • 🪙Supported coinsHow many assets you can buy or holde.g. finder.com
  • 👆Ease of useReview consensus on how easy it is to usee.g. businessinsider.com
  • 🎧Customer supportSupport channels and review consensuse.g. cnbc.com
  • 🇺🇸US availability/regulationStates served and US regulatione.g. finance.yahoo.com

Try it: you set the weights

Coinbase59.7%
Kraken64.5%

Winner: Kraken · real scores, full comparison

  • 🏷️PriceDevice price vs the cheapest comparede.g. trezor.io
  • 🛡️SecurityHacks, proof of reserves, licensing, insurancee.g. blog.trezor.io
  • 🪙Supported coinsHow many assets you can buy or holde.g. referralplug.co.uk
  • 👆Ease of useReview consensus on how easy it is to usee.g. cryptorunner.com
  • 🎧SupportSupport channels and review consensuse.g. trustpilot.com
  • 🔑Backup/recoveryRecovery options: seed, Shamir, backup carde.g. nerdwallet.com

Try it: you set the weights

Trezor84.2%
Tangem75.5%

Winner: Trezor · real scores, full comparison

  • 📈APY (standard rate)Standard APY from the bank's rate pagee.g. ally.com
  • 🪙Minimum to earn APYBalance needed to earn the APYe.g. ally.com
  • 💸FeesTrading and deposit fees from official fee schedulese.g. ally.com
  • 🏦Deposit insuranceFDIC/NCUA coverage and chartere.g. ally.com
  • ⚖️Regulatory recordCFPB / SEC / FINRA actions, last 5 yearse.g. consumerfinance.gov
  • 📱Access (ATM/app/support)ATM, app and support access

Try it: you set the weights

Ally92.8%
Marcus90.6%

Too close to call (under 3 pts) · real scores, full comparison

  • 💸Trading costsStock, ETF and options commissionse.g. fidelity.com
  • 🚪Account minimumAccount minimum to opene.g. fidelity.com
  • 🧓IRA optionsIRA types and any matche.g. fidelity.com
  • 📤Transfer-out feeFee to move your account oute.g. fidelity.com
  • 🛡️Protection (SIPC)SIPC membership and excess coveragee.g. fidelity.com
  • ⚖️Regulatory recordCFPB / SEC / FINRA actions, last 5 yearse.g. brokercheck.finra.org

Try it: you set the weights

Fidelity87.3%
E*TRADE84.0%

Winner: Fidelity · real scores, full comparison

  • ⛔ Hack cap: fund loss ≤48 mo, unpaid → max 60%
  • 📊 Data gate: <75% data → can't be the pick
  • ⚖️ Unknowns: 5/10 (or median if lower)
  • 🤝 Too close: lead <3 pts → no winner
  • 🔗 Sources: every figure sourced, dated
  • Full methodology →

Today’s markets

News and data only, not advice. Stocks delayed (as of 2026-10-12 20:00 UTC); crypto 24h via CoinGecko public API, as of 2026-10-12T21:42:59Z.

Stock gainers

FIGSFIGS, Inc.+12.42%FICOFair Isaac Corporation+10.85%CCCCCC Intelligent Solutions Holdi+8.12%

Stock losers

CBRSCerebras Systems Inc.-10.69%SMTCSemtech Corporation-10.15%CIENCiena Corporation-9.95%

Crypto movers (top 100, 24h)

STRKStarknet-19.47%STXStacks+10.81%BTWBitway+10.29%IAMIambic Therapeutics, Inc. · 10/15/2026 · 15.00-17.00›

What do you want to compare?

Money

Crypto

Markets

Today’s markets

Crypto & stock movers with headlines, trending, IPO calendar.

Free data · delayed · sourced
See markets →

Daily markets briefing

Today’s biggest moves, trending tickers and IPO watch in 60 seconds.

Facts & news only · no picks
Read briefing →

My watchlist

Save stocks and coins in this browser. Delayed prices, shareable link.

Local · free data · not advice
Open watchlist →

Coming soon

Sourced, not sponsoredEvery score links to its source; no one pays to rank higher.
Your priorities, your scoreYou set what matters; we weigh it.
Safety firstPlatforms where customers lost money can't be our top pick.

Latest verdicts

All comparisons →

How scoring works

Full methodology →

Read all scoring rules

Scores you can check

Every criterion gets 0–10 from evidence and links to its source. Your slider weights are normalized to 100% and the formula is shown under "Show math". Missing data says not found and is scored at a conservative placeholder (5/10, or the comparison median if lower) so it can never lift a rank; real-evidence share is reported as coverage; under 75% coverage can't be the pick (shown with a limited data badge). If the top two are within 3 points we say Too close to call.

Where the data comes from

seed curated, dated dataset (official pages, regulators, flagged third-party sites ⚑). For crypto we add live independent reviews and ai analysis that must quote its source word for word; those scores are computed weekly (median of 3 runs) so results don't change run to run. Savings and brokerages use curated data only.

Regulatory record (all categories)

Major enforcement in the last 5 years (criminal pleas, consent orders with consumer redress, or large settlements) costs −2; smaller actions −1; dismissed cases 0. Each shows as an amber note. An active consent order with consumer restitution in the last 48 months gets an amber warning.

Crypto hack rule

If customer funds were stolen or lost in the last 48 months and customers weren't fully reimbursed (unknown counts as not repaid), the platform gets a red warning, is capped at 60%, and can't be the pick. Hacks where customers were made whole get an amber note.

Rates change often

APYs and broker pricing move. Every value shows its as-of date, we re-check APYs weekly against official pages, and promo rates are shown but only scored if you opt in. Always verify on the bank's or broker's site.

⚠️ Not investment or financial advice. VaultRubric compares platforms (fees, rates, security and regulatory record, features), not investments. Crypto is volatile and risky; savings rates and broker pricing change often. Do your own research and check details on the provider’s official site. Affiliate disclosure: some links may be affiliate links, and we may earn a commission at no cost to you. This never changes scores, which are computed only from cited evidence and your weights.

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