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Reviews / Investing

Fierce Finance Review: Now GalaxyOne

By Eric RosenbergPublished Jun 9, 2023 · Updated Nov 2, 2026 · 7 min read
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Fierce Finance no longer exists under that name. Galaxy Digital bought Fierce in December 2024 and turned the app into GalaxyOne, a US-only account for cash, stocks and crypto, so this review covers GalaxyOne.

Fierce Finance

Visit GalaxyOne See how we scored it

Quick Take

  • A Galaxy subsidiary bought Fierce Technology on Dec. 9, 2024, for about $12.5 million, according to Galaxy's annual report. GalaxyOne launched on Oct. 6, 2025.
  • GalaxyOne Cash pays a variable 3.75% APY at Cross River Bank, and Galaxy Premium Yield pays up to 8.00% to accredited investors only, with no FDIC insurance.
  • Galaxy paid $200 million to settle a New York Attorney General case over its promotion of the Luna token in March 2025, so check the parent company's record before moving large sums.

GalaxyOne At A Glance

Feature Details
Former Name Fierce Finance (Fierce Technology, Inc.)
Owner Galaxy Digital
Cash Account 3.75% APY, variable, FDIC insured through Cross River Bank
Premium Yield Up to 8.00%, accredited US investors only, not FDIC insured
Stocks And ETFs Commission-free US stocks and ETFs through Fin2 and DriveWealth
Crypto BTC, ETH, SOL "and more," through Paxos (no full list published)
Crypto Fees No spread markup, but a trading fee set in Paxos's pricing supplement, plus $2 a month after 12 months with no trades
Availability US only
Cult Of Money Rating Not rated

Visit GalaxyOne (US residents only)

What Happened To Fierce

Fierce launched in early 2023 as an iPhone app that combined a high-yield cash account, stock trading and crypto. Galaxy's annual report says the deal closed on Dec. 9, 2024, for $3.0 million in cash and $9.5 million in equity, and that Galaxy recorded the business in its digital assets segment.

Galaxy relaunched the app as GalaxyOne on Oct. 6, 2025, The Block reported, with former Fierce CEO Rob Cornish now Galaxy's chief technology officer. The old getfierce.com address now lands on the GalaxyOne home page, and the Fierce Finance App Store listing now carries the name GalaxyOne: Wealth And Investing, still published by Fierce Technology, Inc. and last updated Oct. 29, 2026.

How GalaxyOne Works

GalaxyOne is one app with several accounts behind it, each run by a different regulated partner:

  • Cash: deposits sit at Cross River Bank, Member FDIC, with coverage up to $250,000.
  • Brokerage: Fin2 LLC and DriveWealth LLC handle US stock and ETF trades, and the accounts carry SIPC coverage up to $500,000.
  • Crypto: Paxos runs trading and custody. You can move coins on and off the platform.
  • Premium Yield: an investment note issued by Galaxy Digital LP, not a bank deposit.

You sign up online at Galaxy's site or in the iPhone app. We couldn't confirm an Android app from Galaxy's own pages, so Android users should check the Google Play store before planning around one. The old Fierce worked only on iPhone.

Fees And Rates

The GalaxyOne home page listed these rates when we checked on Nov. 1, 2026. All of them are variable.

Product Rate Or Fee
GalaxyOne Cash 3.75% APY
Galaxy Premium Yield Up to 8.00%, 30-day notice to withdraw
SOL Staking Up to 6.50%, estimated, with a 0% platform commission through Dec. 31, 2026
Crypto Line Of Credit 8.99% APR, no origination fee
Stock And ETF Trades $0 commission
Crypto Trades Galaxy says it adds no spread markup, but Paxos adds a trading fee set in a pricing supplement it doesn't publish
Inactive Crypto Account $2 a month after 12 months with no trades

The inactivity charge and the trading-fee language come from the Paxos user terms in GalaxyOne's disclosure library, which say the trading fee is added to the price when you buy and subtracted when you sell. Network fees apply when you withdraw coins to an outside wallet. The 0% staking commission comes from the GalaxyOne App Store listing.

The old Fierce crypto fee of $1.49 per trade up to $100, or 1.49% above that, no longer applies.

Features

GalaxyOne's crypto menu is short. At launch it offered Bitcoin, Ethereum, Solana and PAX Gold, a token backed by physical gold, according to The Block. Its App Store listing now names BTC, ETH and SOL "and more" without a full list, so check the app for a specific coin. SOL staking isn't offered to residents of California, Maryland, New Jersey, Wisconsin, Washington, New York, Louisiana, Pennsylvania, Tennessee or Nevada, per Galaxy's disclosures. Stock trading covers more than 2,000 US stocks and ETFs, including fractional shares, according to The Block.

Other features include a stock lending program that pays you to lend shares, a Mastercard debit card tied to the cash account, a crypto-backed line of credit, and business accounts for US companies. Galaxy says it offers US-based live support.

Availability By Region

Region Available?
US Yes, in all states, according to The Block (SOL staking excluded in 10 states)
UK Not listed
EU Not listed
Canada Not listed
Australia Not listed
Global Not listed

Galaxy markets GalaxyOne to US residents and US businesses, and its pages name no other countries. Readers outside the US can compare options on our best crypto apps page, which labels where each app works.

Safety And Regulation

GalaxyOne's partners are regulated, but the company behind the app has a record worth knowing. In March 2025, Galaxy agreed to pay $200 million in disgorgement to the New York Attorney General, which found that Galaxy promoted the Luna token while selling its own holdings, according to the settlement.

Paxos, which holds GalaxyOne's crypto, agreed to a $48.5 million consent order with the New York Department of Financial Services in August 2025 over anti-money laundering failures tied to its former partner Binance. Both cases are logged on our crypto fines and penalties tracker.

FDIC insurance covers the cash account only. SIPC covers the brokerage account. Crypto and Premium Yield carry neither.

Pros And Cons

Pros

  • Cash, stocks and crypto in one app with one login
  • A 3.75% APY cash account with FDIC coverage
  • Coins can be moved to your own wallet
  • Regulated partners for banking, brokerage and crypto custody

Cons

  • US only
  • Short coin list compared with a full exchange
  • Crypto trading fee isn't clearly published
  • Premium Yield is open only to accredited investors and isn't insured
  • Parent company settled a $200 million market manipulation case in 2025

Who GalaxyOne Is Best For

GalaxyOne suits US readers who want a savings-style cash account and a few large coins in the same app as their stocks. If you want dozens of coins or the lowest trading cost, a dedicated exchange from our best cryptocurrency exchanges ranking gives you more choice.

Alternatives

  • Robinhood: stocks, ETFs, crypto and a cash sweep in one US app.
  • Coinbase: a much longer coin list, available in the US and many other countries.
  • Cash App: bitcoin, stocks and banking features in one US app, but bitcoin is the only coin.
  • Yield products: our best crypto savings accounts tracker compares crypto yields and the risks behind them.

Risks: What To Watch Out For

  • Premium Yield is a loan to Galaxy. It's an investment note issued by Galaxy Digital LP, so if Galaxy can't pay, you could lose money. Withdrawals need 30 days' notice.
  • Rates change. Every rate on GalaxyOne's site is variable, and Galaxy can change the Premium Yield rate with 30 days' notice.
  • Crypto isn't insured. Coins held with Paxos aren't covered by the FDIC or SIPC.
  • Fees aren't all published. Ask for the Paxos pricing supplement before trading crypto.
  • Inactivity fee. A crypto account with no trades for 12 months is charged $2 a month.

FAQ

Is Fierce Finance Still Available?

No. Fierce now operates as GalaxyOne after Galaxy Digital bought it in December 2024. The Fierce App Store listing now shows the GalaxyOne name.

What Happened To My Fierce Account?

The Fierce app became the GalaxyOne app under the same App Store listing, still published by Fierce Technology, Inc. We found no Galaxy notice explaining how old accounts were handled, so contact GalaxyOne support through the app to confirm your balances.

Is GalaxyOne FDIC Insured?

Only GalaxyOne Cash is FDIC insured, through Cross River Bank, up to $250,000. Stocks carry SIPC coverage, and crypto and Premium Yield have no FDIC or SIPC protection.

Who Can Use Galaxy Premium Yield?

Only US accredited investors, who must meet income or net worth tests. It pays up to 8.00%, is not a bank deposit and is not FDIC insured.

Can People Outside The US Use GalaxyOne?

GalaxyOne is built for US residents and US businesses, and Galaxy's pages don't list any other country where it accepts customers.

About the author

Eric Rosenberg, Contributor

Eric Rosenberg is a financial writer, speaker and consultant who follows crypto, NFTs and other new technology in personal finance. He holds a B.S. in finance and an M.B.A.

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