Plynk: Platform Profile

Overview

Plynk is a mobile-first brokerage designed around small-dollar investing, education, recurring investing, and a current mix of brokerage and crypto services.

Its current product set includes:

• U.S. stocks;
• ETFs;
• mutual funds;
• fractional investing;
• recurring investing;
• Individual brokerage accounts;
• IRAs;
• simulated trading;
• stock and fund research;
• dividend-match programs;
• an optional Plynk Premium membership;
• direct crypto through BitGo Bank & Trust.

The most important 2026 status issue is crypto provider migration.

Current operational pages, Terms of Use, homepage, FAQ, and brokerage fee schedule identify BitGo.

Some older disclosure-library pages still reference Paxos.

The review must treat BitGo as current and stale Paxos pages as historical/migration residue.

May fit better for

• beginner investors;
• investors starting with small dollar amounts;
• users who want stocks, ETFs, mutual funds, and crypto in one app;
• investors who value simulated trading and education;
• dividend investors who can use the current match program;
• users interested in a low-cost optional premium tier.

May fit less well for

• options traders;
• futures traders;
• advanced active traders;
• crypto users who require external wallet transfers;
• investors who assume brokerage and crypto protections are the same;
• users who do not value dividend match or cash-boost benefits.

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Brokerage legal identity

Current BrokerCheck:

• Legal name: Digital Brokerage Services LLC
• Abbreviation: DBS
• FINRA CRD: 308213
• FINRA member: Yes
• SIPC member: Yes

Current Plynk disclosures identify:

• Clearing custodian: Green Pier Fintech LLC
• Green Pier FINRA member: Yes
• Green Pier SIPC member: Yes

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Corporate relationship

BrokerCheck identifies Digital Brokerage Services and Green Pier within a common-control corporate structure.

The roles remain:

• DBS — brokerage service;
• Green Pier — brokerage custody/clearing;
• BitGo — crypto trades/custody.

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Brokerage pricing

Current fee schedule:

• Plynk app access: $0
• US equity commission: $0
• Fund commission: $0

Investment-level expenses and regulatory assessments can still apply.

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Fractional investing

Current Plynk product/education pages support small-dollar investing.

Eligibility can vary by security/fund.

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Recurring investing

Plynk supports recurring transactions under its current brokerage agreements.

The current Steady Start feature illustrates a 52-week increasing recurring-investment path beginning at $1.

The feature is an investing mechanism, not a guarantee of profit.

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Plynk Premium

Current membership:

• Plynk Premium:
• Monthly fee: $3.99
• Cash boost: +0.50% APY
• Cash boost balance cap: $25,000
• Maximum annual cash boost: $125
• Applies to IRA: No

The cash boost is an additional rate on qualifying GCASH balances in the Individual brokerage account.

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Premium annual cost

$3.99 × 12 = $47.88

per year.

The stated maximum annual cash-boost benefit is $125.

A user reaching the full current cash-boost cap could receive more cash-boost value than the annual membership price, but that comparison excludes:

• opportunity cost of uninvested cash;
• taxes;
• changing rates;
• other Premium benefits;
• investment goals.

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Standard dividend match

Current ongoing program effective June 1, 2026:

• Standard dividend match:
• Match rate: 25%
• Annual cap: $250
• Eligible accounts: non-retirement Individual brokerage
• Opt in required: No

Eligible common stock, ETF, and mutual-fund dividends can qualify under current terms.

The match is funded by DBS.

It is not a dividend paid by the underlying security.

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Premium dividend match

Current Premium terms:

• Premium dividend match:
• Match rate: 50%
• Annual cap: $500

Holding-period and eligibility rules apply.

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Dividend match example

Assume $400 of eligible paid dividends and all current holding requirements are satisfied.

Standard

$400 × 25% = $100

match.

Premium

$400 × 50% = $200

match.

Those amounts are promotion/account benefits, not yield generated by the securities themselves.

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Other brokerage fees

Current schedule:

• Wire transfer: $15
• Full TOA delivery: $75
• IRA close out: $125
• Activity assessment:
• Typical: $0.01–$0.04 per $1,000 on covered sell/certain orders

The $0 commission headline therefore does not mean every account action is free.

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IRAs

Current Plynk homepage and retirement agreements support IRA accounts.

These are conventional brokerage retirement accounts.

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Simulated trading

Current homepage:

• Simulated trading: Yes

This is useful for education and testing order ideas without using real money.

Simulated results are not live performance.

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Plynk Explore and research

Plynk includes research and portfolio/investment-discovery tools.

These can include:

• independent stock grades;
• Morningstar fund ratings;
• educational material;
• market information;
• crypto analytics;
• simulated trading.

Research does not make the self-directed account discretionary.

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Current crypto provider is BitGo

Mandatory current-status rule:

• Current crypto provider: BitGo Bank & Trust, N.A.
• Current provider verified by:
• homepage
• FAQ/help center
• June 2026 Terms of Use
• current brokerage fee schedule

Some disclosure pages still reference Paxos.

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Current crypto assets

Current FAQ:

• Crypto assets:
• Bitcoin (BTC)
• Litecoin (LTC)
• Bitcoin Cash (BCH)
• Ethereum (ETH)
• Crypto asset count: 4

Keep the count updateable.

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Crypto minimum and trading hours

Current BitGo-linked Plynk FAQ:

• Crypto minimum trade: $1
• Crypto trading: 24/7/365 except scheduled maintenance
• Crypto order type: market only

Physical-location requirements apply.

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Crypto fee

Current operational FAQ states:

• BitGo crypto markup: 50 basis points
• BitGo crypto markup percentage: 0.50%
• Markup included in quoted price: Yes

This current BitGo-specific operational fee controls over stale Paxos fee pages.

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Crypto fee example

A $1,000 crypto trade:

$1,000 × 0.50% = $5

markup reference included in the BitGo quoted price.

Crypto price movement can be much larger than the fee.

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Crypto transfers are not supported

Current FAQ:

• External crypto transfer out: No
• External crypto transfer in: No
• Crypto to crypto exchange in app: No
• Crypto payments for goods services: No

Customers can currently buy, hold, and sell supported crypto within the Plynk/BitGo relationship.

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Crypto settlement

Current FAQ states BitGo crypto trades use two daily settlement windows:

• Crypto settlement windows:
• "12: 00 AM"
• "12: 00 PM"

Trading with unsettled BitGo funds can be available, but withdrawal is restricted until settlement.

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Crypto protection

Current Plynk FAQ is explicit:

• Crypto SIPC: No
• Crypto FDIC: No
• Crypto market loss protection: No

That is separate from DBS/Green Pier brokerage SIPC coverage.

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GCASH is not an FDIC bank sweep in this package

Plynk uses GCASH as the brokerage core/free-credit cash balance.

Current Premium materials provide an additional cash-rate boost.

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Options and futures

Current Plynk package does not establish:

• Options current verified: No
• Futures current verified: No

Assessment

Plynk is a beginner-oriented brokerage with a more interesting 2026 value proposition than a simple "$0 commissions" label suggests.

Its differentiators now include:

• $1 fractional investing;
• simulated trading;
• recurring investing;
• ongoing dividend matching;
• a $3.99 Premium tier;
• a cash-rate boost;
• integrated BitGo crypto.

The strongest current promotional benefit is the dividend match, but it should not be confused with investment yield.

The biggest current data-quality issue is the crypto-provider transition.

Operational Plynk pages now identify BitGo. Older Paxos disclosures should not be treated as the current provider.

Protection must remain split:

DBS/Green Pier securities operate under brokerage/SIPC rules. BitGo crypto does not receive SIPC or FDIC protection.