Stelrix provides a portfolio‑secured spending card that links directly to a user’s brokerage account, converting existing holdings into spendable credit without liquidating assets. Its proprietary DCPSP engine continuously adjusts credit limits and APR based on real‑time portfolio values, while transactions are processed through standard Visa/Mastercard networks and pricing is displayed transparently in a mobile app.
Funding
Funding not disclosed
Founders
Product
Problem
Investors relying on traditional credit cards face revolving debt, static credit limits, and opaque fee structures, while liquidating portfolio holdings to obtain spending power triggers taxes and disrupts investment growth. This creates a friction point for individuals who want to access capital without compromising their long‑term asset positions.
Solution
Stelrix delivers a portfolio‑secured spending card that links directly to a user’s brokerage account, converting existing holdings into instant, spendable capital. The proprietary DCPSP engine continuously monitors market values and adjusts both the credit line and APR in real time, ensuring that limits reflect current portfolio strength. Transactions are processed through standard payment networks, providing universal merchant acceptance without the need for a loan or margin facility. All pricing is risk‑based and presented transparently, eliminating hidden fees and allowing users to track their exposure via a dedicated mobile app. By keeping assets in place, the solution preserves compounding returns and avoids taxable events while offering the convenience of a traditional card.
Target Audience
The primary customers are retail investors and high‑net‑worth individuals who maintain brokerage accounts and seek liquid spending power without liquidating positions, as well as fintech‑savvy consumers looking for a transparent alternative to revolving credit.
Features
- Secure, read‑only API integration with major U.S. brokerages for real‑time portfolio synchronization
- Dynamic credit line that auto‑scales with portfolio value fluctuations using DCPSP’s proprietary risk model
- Adaptive APR bands that update continuously based on asset volatility and credit exposure
- Full transparency dashboard in the mobile app showing limit, APR, and usage metrics with no hidden charges
- Standard Visa/Mastercard network acceptance worldwide, supporting both online and in‑store purchases
- Premium card design and contactless functionality for a seamless user experience
- End‑to‑end encryption and compliance with financial data protection standards for secure asset linking