Dedicated Clearing Desk
Unlike automated retail support, our clients have direct access to a licensed clearing desk for complex routing inquiries and asset transfer assistance.
Custodial Insurance & Asset Protection
Is my capital protected by SIPC?
Yes. VestWits operates through SEC-registered clearing partners who are members of the Securities Investor Protection Corporation (SIPC). This protects the securities in your account up to $500,000 (including $250,000 for claims for cash). This does not protect against standard market volatility, but ensures your assets are completely safeguarded against institutional failure.
How are uninvested cash balances secured?
Uninvested capital is not held directly on VestWits balance sheets. It is automatically swept into programmed, FDIC-insured partner bank nodes. This provides up to $2.5 million in programmatic insurance across multiple networked banking entities, far exceeding standard retail limits.
Margin & Risk Requirements
How do Maintenance Margin Calls function?
VestWits offers Reg T margin capabilities to qualified accounts. Our risk engine continuously evaluates your portfolio's equity ratio. If your equity falls below our 25% institutional maintenance requirement, a cryptographic margin alert is issued. We strictly enforce a 48-hour cure period before our automated liquidation protocols initiate to cover the deficit.
Do you lend my shares to short sellers?
No. Unlike consumer apps that quietly lend out your assets to generate PFOF-style revenue, VestWits operates entirely on a segregated-cash basis unless you explicitly opt-in to our Fully Paid Lending Program. If you do opt-in, you receive 80% of the institutional lending yield generated by your assets.