Today, we're launching the public beta of Grow.
Grow brings global markets and local currencies into a single account.
Over the last decade, the world has become dramatically more connected. The best information, software, and increasingly AI are available to anyone with an internet connection.
Yet investing hasn't kept pace.
Many of the world's best opportunities to build wealth remain difficult to access for billions of people.
I saw this firsthand while helping scale a global fintech product used by more than 35 million people. For years, I spent much of my time on the road, living across Latin America, Asia, Africa, and beyond, meeting the people we were building for. Everywhere I went, people with savings naturally looked for ways to make their savings grow. Yet many of the best opportunities were not available to them.
The problem wasn't demand.
The problem was access.
Over the last decade, investing in the United States became dramatically more accessible. Lower fees, better products, and better user experiences brought millions of new investors into the market.
Yet many of those improvements never reached the rest of the world.
The legacy financial system was built around national boundaries, creating a world where your investment opportunities are often determined by where you were born. That model may have made sense decades ago.
It doesn't make sense anymore.
We believe the next chapter of investing is global.
The next generation will unlock the best opportunities wherever they exist, rather than keeping them confined within borders.
That's what we're building at Grow.
Everything we do is guided by three principles:
Access. Experience. Control.
Expanding Access
For many investors, accessing global markets remains unnecessarily difficult.
Some rely on local proxy products that provide limited exposure to global markets. Others attempt to access foreign brokerages directly, only to discover that many assets remain unavailable, onboarding is restrictive, or access depends on where they live.
Even when access exists, the friction is often high enough that many people simply don't participate.
We believe investing should be accessible to everyone, not just the people willing to navigate the most complicated path.
That's why Grow brings public markets, private companies, digital assets, yield products, commodities, and multiple currencies into a single local, accessible experience.
All from the same account, in your local currency with competitive pricing.
Improving Experience
Access alone isn't enough.
Even when investors can reach global markets, the experience often falls short.
For millions of people, investing is stuck in the pre-Robinhood era.
- High fees
- Lengthy onboarding
- Multiple intermediaries
- Manual processes
- Products that don't work together
We think investing should feel like a modern consumer product: simple to start, simple to understand, and simple to use. Below are some of the ways Grow improves the investing experience
| Legacy International Investing | Grow |
|---|---|
| Days or weeks to get approved | Seconds to get started |
| Complex funding processes, wire transfers, and expensive currency conversions | 1:1 deposits and withdrawals through local payment rails |
| Forced to convert into USD before funding or investing | Deposit, hold, and invest directly from your local currency across 20+ supported currencies |
| Idle cash earns little or no return | Competitive yield across multiple currencies |
| Separate savings and investing products | One account with automatic yield on uninvested cash |
| High commissions, flat fees, and confusing pricing | Transparent pricing with smart routing across hundreds of venues to find the best execution |
| Trading only available during traditional market hours | Most assets available 24/5, with many available 24/7 |
| Forcing users to buy full shares | Minimum trade sizes of $1 |
| Orders settle in days | Orders settle in seconds |
Argentina: A Case Study
Historically, accessing global markets meant moving money between institutions, currencies, and accounts.
With Grow, the entire process happens through a single account.
- Deposit 100,000 ARS from Mercado Pago.
- Receive 100,000 ARS in Grow.
- Automatically earn competitive yield on ARS.
- Buy SPY directly from ARS.
- Hold as the investment grows.
- Sell back to ARS.
- Withdraw ARS directly back to Mercado Pago or bank account.
Historically, this process often required multiple accounts, currencies, and intermediaries.
With Grow, it happens through a single account.
The example above uses Argentine Pesos, but a similar experience is available across more than 20 supported currencies. One account for saving, earning yield, and investing, all from the currency you already use every day. Investing globally shouldn't require navigating a maze of accounts, currencies, and intermediaries.
Increasing Control
Investing isn't just about access and experience.
It's about confidence that your money will be there when you need it.
Too many investors have experienced the same story:
- An account is placed under review.
- A withdrawal is delayed.
- A transfer is blocked.
- Support tickets go unanswered.
- One day your money is available. The next day it isn't.
Grow is built to reduce dependence on intermediaries and give users greater control over how they access, move, and manage their money.
A user owns their account. Only they can authorize transactions.
Access shouldn't depend on a centralized platform's approval.
That means fewer points of failure between investors and their assets. It means being able to move money when you want to move it.
And it means designing a system where users remain in control, rather than needing to ask for permission.
Because investors shouldn't lose access to their financial lives simply because a platform decided to put them on hold.
Grow Today
The public beta includes everything discussed above and is available today on both iOS and Android.
Users can deposit and withdraw 1:1 in 20+ supported currencies, access global markets from a local-first investing experience, earn yield on supported balances, and invest across multiple asset classes from a single account.
But we're only getting started.
Over the coming months, we'll continue expanding the platform with additional currencies, local payment methods, investment opportunities, and yield products.
We'll make the experience faster, simpler, and more accessible.
We'll continue expanding access to more markets around the world.
The last generation of investing products expanded access within countries.
The next generation will expand access across countries.
We believe that the future should belong to everyone.
