GalaxyOne Unites Cash, Crypto, and Stocks for U.S. Investors
- GalaxyOne unifies cash, crypto, and stocks under one platform for every U.S. investor.
- Investors can earn up to 8% or 4% APY with options to reinvest returns into digital assets.
- The launch signals a shift toward unified financial assets with blockchain innovation.
Galaxy Digital Inc. has launched GalaxyOne, a financial technology platform designed to merge traditional and digital finance for U.S.-based investors. The platform allows users to earn high yields on fiat cash, trade major cryptocurrencies, and invest in equities through a unified mobile and web experience. The initiative reflects Galaxy’s strategic move toward expanding institutional-quality financial services to the retail market.
According to the announcement, accredited investors can access an 8.00% Annual Percentage Yield (APY) through Galaxy Premium Yield, while all users can earn 4.00% APY on insured cash deposits. The platform enables automatic reinvestment of earned interest into Bitcoin (BTC) or other supported digital assets.
Mike Novogratz, the Founder and CEO of Galaxy Digital, stated, “We’ve spent years building institutional-quality infrastructure to serve the world’s most sophisticated investors. Now, we’re extending that edge to individuals.” He added that GalaxyOne represents a major step in the company’s goal of becoming a full-spectrum financial services provider built on trust, regulation, and accessibility.
Four Core Offerings for U.S. Investors
The GalaxyOne platform begins with four main product lines. Each offering addresses distinct client needs, striking a balance between yield and liquidity, as well as digital asset exposure. Galaxy Premium Yield allows accredited investors to earn 8.00% APY through investment notes issued by Galaxy Digital LP, a subsidiary of Galaxy Digital Inc.
The yield originates from Galaxy’s institutional lending business, which has been active since 2018. Each investment requires a minimum of $25,000 and is capped at $1 million per investor, with an initial total investment limit of $250 million. Interest accrues daily and is paid monthly into the GalaxyOne Cash account.
GalaxyOne Cash offers all investors a 4.00% APY in a high-yield deposit account that is FDIC-insured up to $250,000. The banking services are provided through Cross River Bank, a member of the Federal Deposit Insurance Corporation.
Meanwhile, GalaxyOne Crypto enables investors to buy, trade, hold, and transfer top digital assets, including Bitcoin, Ethereum, and Solana. It features real-time execution, transparent pricing, and recurring purchase options for consistent accumulation.
Finally, GalaxyOne Brokerage provides free commission trading for over 2,000 U.S. stocks and ETFs. Investors can open individual or retirement accounts, including traditional and Roth IRAs, on the platform. Fractional share trading is supported, starting at $10, along with stock lending, which allows clients to make passive income on qualifying holdings.
Building Trust and Balancing Regulation
Galaxy confirmed that GalaxyOne is supported by the same infrastructure used for its institutional clients. The platform originated from Fierce, a fintech brand Galaxy acquired in 2024, whose existing users are being transitioned to GalaxyOne.
The launch arrives amid demand for yield-driven products and integrated platforms that connect traditional finance and DeFi. Unlike many competitors, Galaxy is focusing on seasoned investors rather than speculative or high-frequency traders.
Crypto assets on GalaxyOne are custodied by Paxos Trust Company, though they are not insured by either the FDIC or the Securities Investor Protection Corporation (SIPC). Furthermore, due to current U.S. law under the GENIUS Act, the platform cannot yet support yield-bearing stablecoins.
Related: Galaxy Digital Brings Nasdaq Shares to Solana With Superstate
The Road Ahead for GalaxyOne
The leadership of Galaxy has hinted that business accounts, staking services, and more advanced lending options could be future updates. Galaxy views the launch of GalaxyOne as not an informal event, but rather a building block in the company’s broader effort to unify cash, crypto, and equity products under one secure and regulated system.
With investors increasingly seeking seamless means of diversifying their portfolios, what GalaxyOne implies is that one platform should be able to bridge the gap between the traditional financial system and the emerging digital economy.
Through an institutional-grade backbone, regulatory focus, and a premise in services, Galaxy aims to make that happen, bringing an individual investor a step closer to opportunities once available only to large institutional investors.
