Qapital and Acorns
Qapital emphasizes rules for saving toward goals. Acorns offers round-ups into investment portfolios.
| Compare |  Beaver |  Qapital |  Acorns |
|---|---|---|---|
| Monthly fee | $0 monthly | $3–12 / month | $4–12 / month |
| How it works | Nearest dollar, percentage, or spending match | Saving rules; investing from $8 / month | Round-ups into managed portfolios |
| Where it goes | One investment, by brand, or by category | Ready-made investment portfolios | Managed portfolios; custom stocks on Gold |
| Card or account | Use your linked card | Linked bank account; Qapital card available | Link a card; Acorns card for real-time round-ups |
| What you hold | Tokenized securities in your wallet | Savings and investment accounts | Brokerage and retirement accounts |
Sources and pricing details
Beaver charges 1% per investment, 2.5% on sales, and 0.10% on withdrawals. Stablecoin deposits are free; other deposits cost 0.10%. Early access is invite-only. Round-ups use your money; card rewards are a different product.
Checked September 23, 2026. Standard monthly plans shown; promotions and annual plans may differ. Subscription prices cover different services and are not total investment costs.
Grifin’s published fees vary by plan. Tokenized securities have different rights and risks from conventional brokerage holdings.
Where Beaver stands out
Beaver is the option here for directing round-ups to individual supported investments without a monthly subscription. Qapital emphasizes savings goals, while Acorns emphasizes managed portfolios.
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