Public.com AI Invest

freemium

Trade stocks, bonds, ETFs, options, crypto, and treasuries with AI-powered tools. Generate custom investable indexes from any idea, earn options rebates, and grow wealth smarter on Public.com.

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About

Public.com is a comprehensive, AI-augmented investing platform designed for active and serious investors. It consolidates multi-asset trading — including stocks, ETFs, bonds, options, crypto, and US Treasuries — into a single, easy-to-use interface available on web and mobile. The platform's standout AI capability, Generated Assets, allows users to describe any investment idea or thesis in plain language, which the AI then translates into a fully formed, investable index. This democratizes custom portfolio construction previously reserved for institutional investors. Public also features AI-powered market analysis and smart automation tools (Agentic Tools) to help investors make informed decisions faster. Beyond AI, Public offers strong financial products: a High-Yield Cash Account earning 3.3% APY, a Bond Account with up to 6.1% yield, and a Treasury ladder builder at 3.75%. Options traders benefit from a unique rebate program earning $0.06–$0.18 per contract. The platform also supports Traditional & Roth IRAs with a 1% match, direct indexing for tax optimization, and a commission-free Trading API for algorithmic traders. Public is built for a wide audience — from hands-on active traders and crypto enthusiasts to long-term retirement savers and developers who want programmatic access to markets. With its blend of AI tooling, broad asset coverage, and competitive yield products, Public positions itself as the new standard for modern investing.

Key Features

Generated Assets (AI Index Builder): Describe any investment thesis in plain language and the AI transforms it into a fully formed, investable custom index — making institutional-style portfolio construction accessible to everyone.
Multi-Asset Trading: Trade over 9,000 stocks, 40+ crypto assets, ETFs, fractionalized corporate bonds, US Treasuries, and options all from a single unified platform.
Options Rebate Program: Public is the only investing platform offering rebates on options trades, earning users $0.06–$0.18 per stock or ETF contract based on monthly trading volume.
High-Yield Cash & Bond Accounts: Earn 3.3% APY on uninvested cash with no fees, or lock in up to 6.1% yield with the Bond Account, making idle capital work harder.
Commission-Free Trading API: Developers and algorithmic traders can program their trading strategies via Public's API with no commissions, enabling systematic and automated investing.

Use Cases

An active investor uses Generated Assets to type 'companies benefiting from AI chip demand' and instantly invests in a custom AI-themed index without manual stock selection.
A developer builds an automated trading strategy using Public's commission-free Trading API to systematically rebalance a portfolio based on market signals.
A long-term saver transfers their 401(k) to Public's Traditional IRA to earn a 1% match on contributions and take advantage of direct indexing for tax optimization.
An options trader migrates to Public to benefit from the unique rebate program, earning money back on every contract traded rather than paying commissions.
A cash-conscious investor parks uninvested funds in Public's High-Yield Cash Account to earn 3.3% APY with no fees while keeping capital ready to deploy.

Pros

AI-Powered Index Creation: The Generated Assets feature is a genuinely novel capability that lets any investor build a custom index from a natural language prompt, lowering the barrier to sophisticated investing.
All-in-One Platform: Stocks, crypto, bonds, treasuries, IRAs, margin, and high-yield cash are all accessible in one app, eliminating the need for multiple brokerage accounts.
Unique Options Rebates: The options rebate program is exclusive to Public and provides direct financial benefits to active options traders, setting it apart from competitors.
Competitive Yield Products: High-yield cash and bond accounts offer attractive, transparent rates with no hidden fees, making the platform strong for cash management as well as investing.

Cons

Several Features Still 'Coming Soon': Key account types such as Crypto IRAs, Trust Accounts, and Entity Accounts are listed as 'Soon,' limiting the platform's utility for certain investor segments right now.
AI Features May Require Learning Curve: Getting the most out of Generated Assets and AI-powered prompting requires understanding how to craft effective prompts, which may not be intuitive for all users.
US-Centric Platform: Public.com is primarily designed for US-based investors, limiting accessibility for international users who want to participate in its unique features.

Frequently Asked Questions

Generated Assets is an AI-powered tool that lets you describe any investment idea or thesis in plain language. The AI then builds a fully formed, investable custom index based on your prompt, making it easy to act on your market views without needing to manually select individual stocks.

Public.com is free to sign up and offers commission-free trading on many assets. Premium features and certain account types may involve fees (e.g., margin interest rates apply to margin accounts). The High-Yield Cash Account earns 3.3% APY with no fees, and the Trading API is commission-free.

Public is the only investing platform that pays you rebates on your options trades. You earn between $0.06 and $0.18 per stock or ETF contract depending on your monthly trading volume. The more you trade, the higher your rebate tier.

Yes. Public offers Traditional and Roth IRAs with a 1% match on annual contributions. Crypto IRAs are listed as 'coming soon,' expanding tax-advantaged options for crypto investors.

Yes. Public provides a commission-free Trading API that allows developers and algorithmic traders to build and execute automated trading strategies programmatically.