What you should know before investing.

Who operates Coincruze.

Coincruze is a product of Coincruze Inc, a company founded in 2026. Coincruze Inc is not yet registered as an investment adviser. It intends to register with the U.S. Securities and Exchange Commission under the Investment Advisers Act of 1940, as amended, and will not offer advisory services until the required registration is in place.

One route Coincruze Inc is considering is the Internet Adviser Exemption, which allows an adviser that provides advice exclusively through an interactive website to register with the SEC rather than with individual states. No decision has been made and no filing has been submitted.

Coincruze does not provide personalised human financial advice. Recommendations are generated by software: a scoring model that applies published weights, and an AI model that proposes actions within each user's own rules, which are then checked against those rules before anything is sent to a broker. See the Transparency page for the full algorithmic process documentation.

Operator

Coincruze Inc · Founded 2026 · Matus Labaj, Founder & CEO

Registration status

Not yet registered as an investment adviser. No Form ADV has been filed.

Custody

Coincruze is not a custodian. Client assets are held by Interactive Brokers LLC, a registered broker-dealer.

Not a broker-dealer

Coincruze does not execute trades on its own behalf. Trades are submitted to IBKR via API on behalf of the client.

Not FDIC-insured

Coincruze's own service is not a bank deposit and is not FDIC-insured. Accounts at Interactive Brokers may be protected by SIPC, up to its limits and subject to its terms; SIPC does not protect against investment losses.

Incentive alignment, disclosed.

All investment advisers are required to disclose material conflicts of interest. The following documents the areas of potential conflict.

No payment for order flow

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.

No proprietary products

Coincruze does not manage or distribute its own ETFs, funds, or structured products. The system cannot recommend a product in which Coincruze Inc has a financial interest, because no such product exists.

Data provider relationships

Coincruze obtains market data and news from Finnhub and Financial Modeling Prep (FMP) under their standard terms of service. We do not receive compensation from any data provider for featuring, weighting, or preferring their data in the scoring model.

AI provider relationship

Coincruze uses Anthropic's Claude models to read news and to propose, and explain in writing, portfolio actions inside each user's rules. We pay Anthropic per API call. Anthropic has no financial interest in which assets are recommended.

Affiliated entities

Coincruze Inc 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.

Risks you should understand before investing.

Market risk

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.

Model 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.

Technology and data risk

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.

Broker risk

Client assets are held at Interactive Brokers. If IBKR were to fail, SIPC protection may apply up to its limits and subject to its terms; it does not protect against investment losses. Coincruze has no role in managing or mitigating IBKR's business risk.

Form ADV: not yet filed.

Coincruze Inc's Form ADV — the standard SEC disclosure document for registered investment advisers — has not yet been filed. 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: October 2026. This disclosure summary will be updated to reference the filed Form ADV when available.