Cove

Eden Financial Technologies Inc

In-app purchases

About this app

Finance Doesn’t Have to Be Boring—Cove Turns Saving and Investing into a Game!

Managing your money feels like a chore. Cove changes that by turning saving and investing into a fun, visual, and rewarding experience. Build your island, stash your savings, invest with insight, and earn 3.30% APY* — all while you’re playing, not stressing. Plus, your cash is protected with FDIC insurance up to $1 million**, and your investments are SIPC insured up to $500,000**.



Invest with Insights:
Start investing with simple, beginner-friendly tools. Personalized stock insights help you make thoughtful decisions. A small 0.8% annual advisory fee applies only to invested assets, so you can grow your portfolio without hidden costs. Plus, investments are SIPC insured up to $500,000**, keeping your assets protected.

Feel the Joy of Spending—While You Save:
Stash your money into vibrant decorations for your island. Each stash helps you build your savings, giving you instant gratification for every step toward your goals.

Earn APY:
See how your savings can grow with a base APY of 3.30%*, giving your money a boost without the effort. Your uninvested cash is FDIC insured up to $1 million** for added security.

Compete and Connect:
Climb the leaderboards, win the Island of the Week, and join a community of Covelings who are redefining what it means to manage money.



Join Thousands of Covelings!
It’s time to ditch boring financial tools and start enjoying the process of building your future.

Download Cove for free Today and Start Building Your Island!









Disclosures
Eden Financial Technologies Incorporated (“Cove”) is not a bank. Cove is a financial technology company and an SEC-registered Investment Adviser. Registration does not imply a certain level of skill or training. Banking services for legacy Cove accounts are provided by Evolve Bank & Trust, Member FDIC. Banking services for new Cove accounts are provided by Alpaca Securities LLC.
*The APY displayed represents the minimum rate available to customers enrolled in the cash sweep program. This APY is subject to change at any time without notice and is not guaranteed. The APY is generated from uninvested cash held in a brokerage account through a sweep program, which is not a traditional savings account. More information can be found in the Alpaca Customer Agreement.
* & ** Cash Sweep Program
Uninvested cash is swept to one or more FDIC-insured program banks through our partner broker-dealer, Alpaca Securities LLC. Each program bank provides FDIC insurance up to $250,000 per depositor, allowing up to $1,000,000 in combined FDIC coverage if your cash is spread across four partner banks. FDIC insurance does not cover any securities or other investments. More information can be found in the Alpaca Customer Agreement.
** Investments & SIPC Insurance
Brokerage services are provided by Alpaca, a registered broker-dealer and member FINRA/SIPC. Investments held in your Cove brokerage account are SIPC protected up to $500,000 (including up to $250,000 for cash). SIPC does not protect against losses due to market fluctuations. More information can be found in the Alpaca Customer Agreement.
Investment advice is provided by Eden Financial Technologies Incorporated DBA Cove. Eden Financial Technologies Incorporated DBA Cove is an SEC-registered investment adviser. Investment advice is provided by Cove and investments in your Cove account are not FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. Alpaca Securities LLC serves as the qualified custodian for Eden Financial Technologies Incorporated DBA Cove. Alpaca Securities LLC is a member of FINRA and SIPC.

Ratings and reviews

By far best savings account ever! Customer service is always helpful when issues arise, which is something i haven't got at other banks. If you have trouble saving like I do I totally recommend it. Seeing my savings grow in a way that isn't just numbers in black and white on paper is amazing. I get excited everyday to open my treasure boxes and decorate my island. Please be patient while using this app, new apps take time to be debugged and fixed. Contact customer service if you need anything.

The decision to gamify saving money is great, but the quests are frustrating. There is no FAQ that I can find to help explain how to do some of them. Like upgrading a decoration, how? You click on one and there is no upgrade option, nor is there any explanation in the quest. Clicking on the quest just brings you back to the island. Also, getting quests that tell you to make a first deposit, when you've already invested money is kinda redundant. Finally, when is grow going to be available?

Still very early on still has bugs, still has stuff advertised in app that is now over a year old that has not been released. Just like atlas earth more there and planned but not there yet. Using a customized island as a savings is a very amazing idea. I do however wish if we buy a deco and do liquidate it that we can re buy it at will. I had to liquidate a seasonal item to pay for food and I may never get it back. Fix those 3 things and you'll get 5* out of me all day!

What’s new

The Grow Feature is officially here! Take your Cove island to the next level with investing and APY. Managing your finances has never been more fun

You can now earn 3 month APY boosts for every friend you refer to Cove. Plus, your friends get boosted for their first month when they use your referral!

You can now queue buy and sell orders when the market is closed

Revamped sign-up flow