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 Stash.
Do I have to use Smart Vault?
No, Smart Vault is an optional feature of alphaAI and is disabled by default.
How does Smart Vault work, exactly?
Smart Vault is an optional feature of your alphaAI account. It is disabled by default. When enabled, you'll be able to set aside funds in your alphaAI account to go to Smart Vault.
Smart Vault funds are separate from your alphaAI strategy. For example, imagine you have $10,000 in your account and allocate $2,000 to Smart Vault. In this scenario, $2,000 would go to Smart Vault, which would be separate from your alphaAI strategy. The remaining $8,000 would be actively invested as a part of your alphaAI strategy.
How is Smart Vault different from Smart Stash?
Think of Smart Vault like a high-yield savings account (HYSA). Smart Vault is an optional feature and is disabled by default. When enabled, you can set aside funds in your alphaAI account to go to Smart Vault. These funds will not be invested as a part of your alphaAI strategy.
On the other hand, Smart Stash is always active. When you join alphaAI, you will be recommended or choose one of our automated investment strategies. One of the things our investment AI does is adjust the amount of cash you hold based on market conditions and your risk profile. For example, when market conditions are poor, you would want to keep more cash on the sidelines to reduce your overall risk (we automate this process for you at alphaAI). With Smart Stash, your uninvested cash on the sidelines is automatically allocated to a high-yielding fund, further enhancing your overall returns.
For example, imagine you have $10,000 in your alphaAI account and allocate $2,000 to Smart Vault. In this scenario, $2,000 will always be in Smart Vault and will not be invested as a part of your alphaAI strategy. The remaining $8,000 will be actively invested. Of that $8,000, our investment AI may determine that, due to market conditions, a portion of it should be kept on the sidelines. This amount will go to Smart Stash. Let's imagine that our AI sets aside $1,000 due to risky market conditions. So in this case, $2,000 will be in Smart Vault (you specified this amount), $1,000 will be in Smart Stash (this is automated), and $7,000 will be actively invested (this is also automated).
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.