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What is Compound Banc?

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Compound Banc is a digital app that gives you access to buy bonds at a 7% fixed interest rate — with no fees and total access to funds at any time.Whether you’re at the early stages of building your nest egg or you’re interested in amore modern investment portfolio, it’s a passive income opportunity with risk-adjusted returns.It’s novel because the best investment assets with high yields used to be exclusively for the elite. We unlocked this access for the everyday person — helping provide financial freedom for all!

What is Compound Banc?

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Compound Banc is a digital app that gives you access to buy bonds at a 7% fixed interest rate — with no fees and total access to funds at any time.Whether you’re at the early stages of building your nest egg or you’re interested in amore modern investment portfolio, it’s a passive income opportunity with risk-adjusted returns.It’s novel because the best investment assets with high yields used to be exclusively for the elite. We unlocked this access for the everyday person — helping provide financial freedom for all!

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Our Care Team provides live support whenever you need it with the tap of a button.

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Access your virtual Care Team or reach out anytime, from anywhere —with the tap of a button. Book an appointment with Compound Care anyway you like.”

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Frequently asked
questions

What is Compound Banc?

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Compound Banc is a financial technology company, not a traditional bank. In fact, we’re even better — because
we’re making financial products more inclusive and accessible. We are a next generation customer centric company. We have unlocked financial freedom for all by building a simple secure financial ecosystem for the
consumer to compound their savings by taking advantage of investment assets that used to be reserved for Wall
Street, not Main Street.

Is Compound Banc a bank?

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No, we are not a traditional bank. We are the next generation financial technology company committed to creating
financial technology solutions for a secure, accessible ecosystem where your money can grow and move freely.
Through our product, Compound Bonds, we provide an interest rate 125x the national average, while savings
accounts offer very minimal returns. So, it’s as simple as a savings account but with investment-like returns!

What are compound bonds?

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Compound Real Estate Bonds are 7% APY fixed income savings bonds, with interest compounded daily. Compound
Bonds are backed by high quality cash generating real estate assets, and allow you to grow and move your money
freely. No lock-ins, No Commitments.

How many bonds can I buy?

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For accredited investors, you can purchase as many bonds as you'd like, and for non accredited investors you can purchase bonds up to 10% of your annual income or net worth.

Who can buy Compound Bonds?

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Anyone can buy compound bonds. Simply create an account and purchase in minutes.

How do compound bonds generate a 7% yield?

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Compound Banc invests and loans money from bond proceeds in real estate assets across a diversified portfolio
consisting of mortgages, residential, commercial, and industrial assets. The income generated through rents,
interest, and capital appreciation from our real estate assets flows to Compound Banc. Then, the interest owed is
returned to the bondholder, and the process is repeated until funds are withdrawn.
 
The bottom line? Your money is generating high and stable interest, leaving you with more cash in your pocket!

What type of investments do you make?

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By employing a "value investing" strategy,  we aim to build a diversified and resilient portfolio consisting of high quality cash generating real estate assets across a range of asset classes consisting of mortgages, residential, commercial, and industrial assets. 
 
We aim to acquire these real estate assets across a range of sectors with varying risk, return, liquidity, time horizon
and regions. Our diversified approach is designed to deliver outperformance by generating sustainable income and
competitive capital returns, while minimizing downside risk. This in turn allows us to provide a risk adjusted fixed
7% APY yield rate through Compound Bonds.

We also aim to empower communities, people, and businesses with access to capital that was historically denied
to them. We give loans to underserved and underbanked populations, adding a human touch to the otherwise
rigid world of finance.

What if the stock market goes down?

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There’s no need to worry about that because compound bonds are not correlated to the  stock market, so it’s not
tied to the volatility of the markets  or interest rate fluctuations set by the Federal Reserve. Compound bonds are
private non publicly traded corporate bonds.

Is it risk-free? How are my funds protected?

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It’s important to note that all financial investments involve an element of risk.

However, Compound Banc uses our proprietary diversification strategy to reduce and manage risk and volatility.
We have designed our processes with the goal of being able to withstand economic downturns, and volatility.
Based on our value investing strategy of acquiring assets for less than what we believe their intrinsic value to be,
diversifying assets across regions, sector, risk and time horizon, and our use of technology and data science for
investment acquisition: we believe that our portfolio from a liquidity, and risk management standpoint is well
positioned.

Additionally, by investing bond proceeds into real estate; we gain access to what is historically the most solid and
stable investment class. It outperformed the average annualized S&P 500 return for the last 25 years and increased faster than inflation!

Furthermore, by virtue of being a bond, our product on the capital stack in comparison to equity owners is a lower
risk because bondholders have a higher priority claim to assets over common and preferred equity owners.

When can I withdraw my money from Compound Bonds?

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Compound Bonds are liquid, meaning you can withdraw your funds at any time. No commitments, No locks-in.

How does Compound Banc operate and make money?

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The best investment assets used to be exclusively for the elite clients of huge financial institutions. We wanted to
unlock this access for the everyday person, so we built our business around the business models of financial
institutions that have been tried and tested for generations on Wall Street and around the world. 

Compound Banc's business model and operations are built based on the structure, strategies and principles of
asset managers that manage  funds for institutions and sovereign wealth funds. We are bringing institutional grade
products that were once reserved for the Top 1% by financial behemoths for the everyday person. 

We have a diverse stream of income. First, we make a spread between what is paid to you (7%) as a bondholder
and the return generated when the bond proceeds are put to work in loans and other investments. 

Additionally, we earn rental income from the real estate assets we own, along with capital appreciation, interest
payments, and other fees from loans. 

Between interest on the loans made and the combination of other real estate investments,  a greater return than
the 7% is generated and we fund our operations using this difference.

Are Compound Savings Bonds  - FDIC Insured ?

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No, they are not. FDIC insurance is only for bank depositary accounts and not for Investments. Compound Bonds
are secured by the underlying Real Estate assets. Your downside protection is secured using our proprietary risk
management technology and by tangible real estate assets.  We have you covered .

What are Bonds ?

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A bond is a fixed-income instrument that represents a loan made by an investor to a borrower. In the capital
stack, being a bondholder is a lower risk than being a equity owner because bondholders have a higher priority
claim to assets of the company over common and preferred equity owners.

Generally, Bonds work by paying back a regular amount to the investor, also known as a “coupon rate,” and are
thus referred to as a type of fixed-income security. For example, a $10,000 bond with a 10-year maturity date and
a coupon rate of 7% would pay $700 a year for a decade, after which the original $10,000 face value of the bond is
paid back to the investor. 

Compound Bonds are demand bonds with a 7% coupon rate, meaning that they earn a fixed 7% APY rate with
interest compounded daily, and can be redeemed at any time.