Earn 7.00% APY Without Locking Up Your Cash
Institutional-Grade Security. 3-Day Access to Funds. Zero Market Fluctuation Exposure.
Institutional-Grade Security. 3-Day Access to Funds. Zero Market Fluctuation Exposure.
Zero Speculation. Zero Fees.
Global corporations lock in currency rates months or years in advance to protect their margins - paying a premium to Tier-1 banks for that certainty. Freedom Reserves plugs into these institutional hedge transactions, earning the interest paid for holding the short position. We simultaneously take the long position with a separate Tier-1 bank, neutralizing market risk entirely. The result: predictable interest income with no exposure to market fluctuations.
See how Freedom Reserves compares with common places people hold cash.
| Feature | Cash Reserves | CDs | High-Yield Savings | Money Market | Treasury Bills | Sweep Account |
|---|---|---|---|---|---|---|
| Annual Yield | 7% | 4.5% | 4.2% | 4% | 3.9% | 3.5% |
| Quick Liquidity | ✓ 3 days | ✗ | ✓ | ✓ | ✗ | ✓ |
| No Market Movement Exposure | ✓ | ✓ | ✓ | ✓ | ✗ | ✓ |
| Fixed Rate | ✓ | ✓ | ✗ | ✗ | ✓ | ✓ |
| Fully Passive | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Cash Access with One Click | ✓ | ✗ | ✓ | ✗ | ✗ | ✓ |
| Zero Fees | ✓ | ✓ | ✓ | ✗ | ✓ | ✓ |
Real experiences from real investors.
Download, sign up, fund, and start tracking your account.
Download the app and begin the onboarding process.
Review your account documents and sign them securely online with a digital signature.
Transfer money into your account securely. Once your funds have cleared, you’ll start earning.
Log in to the app anytime to monitor your balance and account performance.
Our founders use Freedom Reserves personally for their cash management.
Use the app to track your balance, transfer money, and manage your account with ease.
The questions investors most often raise before opening an account.
$100,000 (you can withdraw or add funds anytime after the initial $100k opening balance). Accredited investors only.
The strategy requires institutional banking relationships, operational infrastructure, and capital thresholds not accessible to individual investors. Because of their previous success at a multi-billion-dollar finance company, the founders were able to provide access through Freedom Reserves to accredited investors.
While the strategy is fully hedged, risk cannot be eliminated entirely. Capital is deployed through institutional banking partnerships and exposed to Tier-1 global banks. The primary risk would involve systemic disruptions across major financial institutions or settlement systems.
Freedom Reserves is a private debt fund. Each "loan" to Freedom Reserves is secured by the corresponding depository account at our banking institution partnership.
Yes. Here is a link to our filing: https://www.sec.gov/edgar/browse/?CIK=2129972
Interest earned is considered ordinary income and you will receive a 1099 each year.
We guarantee your money will be returned within 3 days, and it's common for funds to arrive within 1-2 days.
Freedom Reserves is structured as a Regulation D, Rule 506(c) private debt fund.
Freedom Reserves was created after its principals sought a capital solution that emphasized liquidity, capital preservation, and consistency. They leveraged institutional banking relationships they had built from a previous finance company that did multiple billions in revenue. They deployed their own capital to validate a fully hedged, market-neutral strategy. The fund structure was designed to provide qualified investors with access to the same disciplined approach.
Cash Reserves