Earn the Best Yields on Your Cash
With Smart Vault, earn market-leading APY on funds in your alphaAI account.
Smart Vault vs. other leading high yield products

Smart Vault: Earn the Best Yields on Your Cash
Think of Smart Vault like a HYSA (high-yield savings account). When you enable Smart Vault, you can set aside funds in your alphaAI account to earn market-leading APY.
Beat Inflation with
Smart Vault
When you hold cash in the bank, it loses value due to inflation. With Smart Vault, say goodbye to idle cash and say hello to industry-leading APY.
Secure, Flexible,
and Rewarding
Your security and flexibility remain our top priorities. Smart Vault offers the same high level of security you've come to expect from alphaAI. Plus, there's no lock-in period – your funds remain accessible whenever you need them, giving you both liquidity and high returns.
Frequently Asked Questions
Find answers to common questions about Smart Vault.
How does Smart Vault work, exactly?
Smart Vault is an optional feature in your alphaAI account, and it's turned off by default. When you enable it, you can set aside a portion of your funds that won’t be included in your investment strategy.
For example, if you have $10,000 in your account and choose to move $2,000 into Smart Vault, that amount will be kept separate. The remaining $8,000 will continue to be invested according to your alphaAI strategy.
How is Smart Vault different from Smart Stash?
Think of Smart Vault like a high-yield savings account. It's an optional feature that’s turned off by default. If you choose to enable it, you can set aside a fixed amount of money in your alphaAI account that won’t be invested. This money stays separate from your investment strategy.
Smart Stash works differently – it’s always active. When you join alphaAI and pick (or get matched with) an investment strategy, our AI automatically adjusts how much cash to hold based on market conditions and your risk level. If markets are risky, the AI may hold more cash to protect your portfolio. This uninvested cash is placed into a high-yielding fund through Smart Stash to help grow it while it sits on the sidelines.
Here’s a quick example: Imagine you deposit $10,000 into your alphaAI account.
- You move $2,000 into Smart Vault — this amount stays out of the market.
- That leaves $8,000 for investing.
- Based on current market conditions, let's say our AI decides to keep $1,000 in cash as a buffer — this goes into Smart Stash.
- So, $2,000 is in Smart Vault, $1,000 in Smart Stash, and $7,000 is actively invested.
How is Smart Vault different from a high-yield savings account?
Smart Vault is more flexible than a high-yield savings account (HYSA). Because Smart Vault is a part of your overall account at alphaAI, you can easily invest that cash into other assets, should you choose.
With a HYSA, you typically have to create a separate account at the bank or brokerage of your choice. Your money sits there, and you can only deposit and withdraw from that account. If you wanted to invest that money into other assets, you would have to transfer that money into a separate investment account to do so. You would oftentimes incur fees for the transfer and have to wait several business days for the transaction to clear.
Are there any fees?
Smart Vault is a feature of your alphaAI account, which is subject to our subscription fee. Learn more about our pricing.
The fund we use for Smart Vault charges a net annual expense fee of 0.18%. Our goal with Smart Vault is to provide clients with a net yield, after all fees and expenses, that is significantly higher than the national average savings account rate.
Is my money safe?
Smart Vault works by investing your cash into high-yielding funds. The market price of such funds is relatively stable but may fluctuate by a small amount (typically by less than 1% over the course of multiple years). We chose these funds because they provide a high yield (4%+ at the time of writing), paid out in the form of monthly dividends. The high yield of these dividends more than cover any minor fluctuations you may experience in the market price.
Additionally, all of the brokerages we support are members of FINRA and SIPC. SIPC provides $250,000 coverage. In addition, eligible clients can obtain up to $2,500,000 of FDIC insurance on cash deposits for a total coverage of $2,750,000. Note that this does not cover ordinary loss from market fluctuation.
How easy is it to withdraw my money?
Pretty dang easy! You can make unlimited deposits and withdrawals. Buys and sells into and out of our Smart Vault funds are instantaneous, with funds becoming available to you in the same day.
How do interest payments work?
The advertised yield shown is the current 30-day SEC annualized yield, which is subject to change. Each month, you’ll receive interest payments based on the yield earned during that period.
Do I have to use Smart Vault?
No, Smart Vault is an optional feature of alphaAI and is disabled by default.