company
Wealth should be usable without being undone.
gether exists because the gap between owning something valuable and being able to spend from it is filled, today, by selling. That is a bad answer that most people accept because it is the only one they are offered.
the problem
Three things that are all true at once.
Wealth got easy to build and stayed hard to spend
A portfolio can be assembled in an afternoon. Turning any part of it into money you can pay a bill with still means choosing a position, exiting it, waiting on settlement and moving cash, and every one of those steps is a decision you did not want to make.
So the default answer is to sell
Selling to spend is the workaround almost everyone uses, and it is expensive in a way that does not show up as a fee. You exit a position you chose deliberately, at whatever price the day gives you, and you take whatever gain or loss comes with it.
The alternative existed, for other people
Spending against a portfolio instead of out of it is not a new idea. It has been available for a long time to people with a private banker, a minimum balance and a phone call. What it has not been is an account you can open, understand and use on a card.
what we are building
An account whose whole job is the step between the two.
Not a brokerage, not a rewards card, and not a lender you talk to once a year. The layer that connects a portfolio to a payment, and keeps connecting it as both move.
One account across what you actually hold
Tokenized stocks, crypto and cash in one place, valued together, supporting one number. Not three products that each ignore the other two.
Arithmetic you can see
Every figure the account shows is broken into what produced it: what is locked, what it counts for, what is drawn, what that leaves. No score, no opaque limit, no annual review.
The risk stated at the same volume as the benefit
Positions fall. Balances have to be repaid. Holdings can be sold if the cushion closes. Those facts are on the product pages, in the account preview and in the footer, not in a document nobody opens.
Payments where the money is used
A card in a mobile wallet, accepted where you already spend, is the only interface that makes any of this a product rather than a facility.
the long version
Where this goes.
Spending from a portfolio is the first thing worth doing, not the only one. Anything that currently requires selling first is the same problem wearing different clothes: paying a tax bill, funding a purchase, bridging a gap between two dates. The account that solves it once should solve it for all of them.
the team
Published when we can stand behind it.
This site has removed four published claims for being unverifiable or wrong, including a rate that belonged to a different product and a description of custody that was the opposite of what the system does. Every one of them was written in good faith and none of them was checked again after it was written.
A team page is the same kind of copy. It will be published, with names and with the experience that is relevant to running an account that holds other people's positions: consumer product, payments, capital markets, compliance and financial infrastructure. It is not written here in the meantime, because a company that will publish an unaudited paragraph about itself will publish an unaudited paragraph about your money.
If you want to reach a person before then, use support.
Come and use it.
gether is in a waitlist phase. Tell us what you hold and we will come back to you when access opens.