This page summarises key disclosures about Coincruze's regulatory status, fee structure, conflicts of interest, and investment risk. When Crownstone's Form ADV is filed with the SEC, the full text will be linked here and this summary will reference it directly.
Coincruze is a product of Crownstone, a company founded in 2025. Crownstone is in the process of registering as an investment adviser under the Internet Adviser Exemption provided by the Investment Advisers Act of 1940, as amended.
The Internet Adviser Exemption permits investment advisers that provide advice exclusively through an interactive website to operate without state-by-state registration, provided their client base does not exceed the applicable thresholds for state-registered advisers, and their advice is generated algorithmically based on personal information supplied by clients through the website.
Coincruze does not provide personalised human financial advice. The scoring engine is deterministic and operates identically across all users. See the Transparency page for the full algorithmic process documentation.
Crownstone · Founded 2025 · Matus Labaj, Founder & CEO
Form ADV filing in progress. Internet Adviser Exemption under the Investment Advisers Act of 1940.
Coincruze is not a custodian. Client assets are held by Interactive Brokers LLC, a registered broker-dealer.
Coincruze does not execute trades on its own behalf. Trades are submitted to IBKR via API on behalf of the client.
Investment accounts are covered by SIPC through Interactive Brokers up to applicable limits. Coincruze's own service is not a bank deposit and is not FDIC-insured.
$7.00 per month, billed monthly. The fee is the same regardless of your portfolio size, account balance, or number of trades executed. There are no performance fees, asset-under-management percentages, or tiered pricing structures.
Interactive Brokers charges its own commissions on trades executed through the platform. These fees are separate from Coincruze's advisory fee and are set entirely by IBKR. Typical IBKR commission rates are published at interactivebrokers.com. Coincruze does not mark up or share in IBKR's commissions.
No account opening fees. No account closing fees. No withdrawal fees charged by Coincruze. No inactivity fees. No charges for connecting or disconnecting your broker. No fees for viewing your decision history or transparency data.
All investment advisers are required to disclose material conflicts of interest. Coincruze has a flat fee model specifically to minimise structural conflicts. The following documents remaining areas of potential conflict.
Because Coincruze charges a flat $7/month, we have no financial incentive to grow your portfolio balance, recommend riskier assets for higher potential returns, or churn trades to generate revenue. Our revenue is fixed regardless of your investment outcomes.
Coincruze does not receive payment for directing your trades to specific execution venues. Trade routing decisions are made by Interactive Brokers' execution infrastructure, not Coincruze.
Coincruze does not manage or distribute its own ETFs, funds, or structured products. The system cannot recommend a product in which Crownstone has a financial interest, because no such product exists.
Coincruze pays FMP, Benzinga, and GDELT for data access on commercial terms. We do not receive compensation from any data provider for featuring, weighting, or preferring their data in the scoring model.
Coincruze uses Anthropic's Claude API (Claude Haiku) for decision explanation text. We pay Anthropic per API call. Anthropic has no input into how portfolio decisions are made or which assets are recommended.
Crownstone has no affiliated broker-dealer, affiliated fund manager, or other affiliated entity that could create a conflict between our advice and our financial interests as of the date this disclosure was last updated.
The value of investments can fall as well as rise. You may receive back less than you invest. Coincruze's scoring model does not remove or reduce market risk.
Scoring models are built on historical relationships between data and asset performance. Those relationships can and do break down, particularly during periods of market stress or regime change.
Coincruze's automation depends on continuous access to broker APIs and data feeds. An outage or disruption may cause automation to pause, resulting in your portfolio drifting further from target than it otherwise would.
Client assets are held at Interactive Brokers. If IBKR were to become insolvent, SIPC insurance covers securities and cash up to applicable limits. Coincruze has no role in managing or mitigating IBKR's business risk.
Crownstone's Form ADV — the standard SEC disclosure document for registered investment advisers — is being prepared for filing. Once filed, the full Form ADV Part 1 and Part 2A (the brochure) will be linked from this page.
Form ADV Part 2A will contain a comprehensive description of Coincruze's advisory services, fees, investment strategies, risks, disciplinary information, and conflicts of interest in standardised SEC format.
Last updated: May 2025. This disclosure summary will be updated to reference the filed Form ADV when available.
Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Coincruze does not guarantee investment returns or protection against loss. This page is a summary disclosure only and does not constitute the full Form ADV. The full Form ADV will be available following SEC filing.