GalaxyOne Yield Calculator
Calculate your potential earnings with GalaxyOne's cash deposit yields. The standard account offers up to 4% APY while accredited investors qualify for up to 8% APY.
Enter your investment details to see potential earnings.
Important Notes: GalaxyOne's high-yield offering (8% APY) is only available to accredited investors. The SEC is currently investigating this product, which could change or be discontinued at any time. These yields are not guaranteed and may change with 30 days' notice.
There’s no such thing as "Coin Galaxy"-at least not as a real crypto exchange. If you’ve been searching for it, you’re probably mixing up two separate things: GalaxyOne, a legitimate U.S.-based investment platform, and Galaxy Coin (GALAXY/GLXC), a random BEP20 token with zero connection to the company. This confusion is common, and it’s costing people time, trust, and sometimes money. Let’s clear it up once and for all.
What GalaxyOne Actually Is
GalaxyOne isn’t just another crypto app. It’s a full investment platform built by Galaxy Digital, the same firm founded by Mike Novogratz that handles billions in digital assets for institutions. Launched in September 2024, GalaxyOne lets you trade U.S. stocks, ETFs, and crypto-all in one place. That’s rare. Most brokers like Fidelity or Charles Schwab only offer crypto through trusts or ETFs. Most crypto exchanges like Coinbase don’t let you buy Apple or Tesla shares at all.GalaxyOne changes that. You can see your Bitcoin and your SPY ETF side by side. You can move money between them without switching apps or logging into three different accounts. It’s designed for people who want to manage their entire portfolio in one dashboard-not just crypto fanatics, but investors who believe digital assets belong alongside traditional ones.
How It Works
Getting started is straightforward if you’re in the U.S. You need a Social Security number or ITIN, and you must be a resident. The onboarding takes about 27 minutes on average, and 92% of people finish it on their first try. You link your bank account via Plaid, and then you’re ready to go.Minimum deposit? Just $1 for a standard brokerage account. For the higher-yield option, you need $100 and must qualify as an accredited investor-meaning you’ve earned over $200,000 annually for the last two years, or have a net worth over $1 million (not counting your home). If you qualify, you can earn up to 8% APY on cash balances. Everyone else gets up to 4% APY. That’s higher than most big banks, but keep in mind: these yields aren’t guaranteed forever. Galaxy can change them with 30 days’ notice.
For crypto trading, you get 15 coins: Bitcoin, Ethereum, Solana, Cardano, Polygon, and a few others. Not as many as Coinbase’s 240+, but enough for most people. Fees are 0.15% to 0.25% per trade-maker-taker model. No commissions on stocks or ETFs. Your crypto is stored in cold wallets, and 98% of assets are kept offline. The platform uses AES-256 encryption, same as banks.
How It Compares to Other Platforms
| Feature | GalaxyOne | Coinbase | SoFi | Fidelity |
|---|---|---|---|---|
| Stocks & ETFs | Yes | No | Yes | Yes |
| Direct Crypto Trading | Yes (15 coins) | Yes (240+ coins) | No | Only via Grayscale trusts |
| Cash APY | Up to 4% (8% for accredited) | 5% on USDC | 4.6% | 4.41% |
| Available Outside U.S. | No | Yes (45 countries) | No | No |
| IRA Support | No | Yes | Yes | Yes |
| Mobile App Rating | 4.6/5 (iOS) | 4.4/5 | 4.5/5 | 4.3/5 |
GalaxyOne wins if you want simplicity and integration. It loses if you’re into altcoins, live outside the U.S., or need a crypto IRA. For someone who owns Tesla stock and wants to buy Solana without jumping between platforms? Perfect fit.
Security and Compliance
Galaxy Digital is a publicly traded company on the NYSE (BRPH). GalaxyOne operates under Galaxy Digital Broker Dealer Inc., which is registered with the SEC and FINRA. That’s not just marketing fluff-it means they’re audited, monitored, and subject to federal rules. They hold state money transmitter licenses in 48 states. Their custody system is built on the same infrastructure they use for institutional clients managing billions.But here’s the catch: the SEC is watching. In April 2025, they issued a Wells Notice to Galaxy Digital, signaling potential legal action over the 8% yield product. Regulators argue that offering high returns on crypto deposits without proper registration could violate securities laws. Commissioner Hester Peirce has publicly warned that these kinds of yields “threaten investor protection.”
That doesn’t mean GalaxyOne is a scam. It means the business model is under pressure. If the SEC forces them to drop the high-yield option, the platform loses a major selling point. For now, it’s still available-but don’t count on it lasting beyond 2026.
What Users Say
On Trustpilot, GalaxyOne has a 4.1/5 rating from over 1,200 reviews. Reddit’s r/GalaxyOne community has 18,400 members, with most posts praising the unified interface. One user wrote: “Finally seeing my BTC and SPY positions side-by-side without switching apps.” That’s the whole point.But complaints are real. Customer service waits average 58 hours. Android users report slow ACH verification-some waiting three days. Syncing issues between the app and web platform are the top technical problem, making up 23% of support tickets. And if you’re self-employed, getting verified can be a nightmare. Galaxy added alternative income docs in version 2.1.3, but it’s still messy.
One user, “BitBull2024,” documented a 27% portfolio growth over six months by splitting funds between Solana staking (6.2% APY) and dividend stocks. That’s a real success story. But there are also failure cases: 12% of applicants for the 8% yield were denied because they couldn’t prove their income properly. Don’t assume you qualify-check the SEC rules first.
Who Should Use GalaxyOne?
You should consider GalaxyOne if:- You’re a U.S. resident with a Social Security number
- You already trade stocks and want to add crypto without juggling apps
- You’re an accredited investor and want higher cash yields
- You value institutional-grade security over a huge selection of altcoins
You should avoid it if:
- You live outside the U.S.
- You want to trade Solana, Dogecoin, or 200 other altcoins
- You need a crypto IRA or want to invest through a business account
- You’re uncomfortable with regulatory risk-this platform could change fast
What’s Next?
GalaxyOne is rolling out business accounts in Q3 2025. They’ve already added instant bank verification through Plaid, cutting onboarding time by 40%. Staking for Solana launched in May 2025 at 6.2% APY. But the big question isn’t features-it’s regulation.Analysts at Bernstein and Bitwise think the 8% yield might be phased out by late 2026. If that happens, GalaxyOne becomes just another brokerage with crypto. It’s still good-but not revolutionary anymore.
Right now, it’s the only platform that lets you treat crypto like a stock. That’s powerful. But power comes with risk. The SEC isn’t going away. And if you’re chasing 8% yields, you’re betting on a regulatory loophole. Make sure you understand that before you deposit anything.
Is Coin Galaxy a real crypto exchange?
No, Coin Galaxy doesn’t exist as a legitimate exchange. The name is a mix-up between GalaxyOne (a U.S. investment platform) and Galaxy Coin (GALAXY/GLXC), a random BEP20 token with no connection to Galaxy Digital. Don’t trust any site using "Coin Galaxy"-it’s likely a scam or phishing site.
Can I use GalaxyOne if I’m not in the U.S.?
No. GalaxyOne is only available to U.S. residents with a Social Security number or ITIN. It does not serve international users, unlike platforms like Binance.US or Kraken. If you’re outside the U.S., you’ll need to find an alternative.
What’s the difference between GalaxyOne and Coinbase?
GalaxyOne lets you trade U.S. stocks, ETFs, and crypto in one app. Coinbase only does crypto. GalaxyOne has fewer coins (15 vs. 240+), but offers higher cash yields for accredited investors (up to 8% APY). Coinbase offers 5% APY on USDC but no stock trading. If you want both stocks and crypto together, GalaxyOne is unique.
Is GalaxyOne safe?
Yes, from a technical and regulatory standpoint. Galaxy Digital is a publicly traded company (NYSE: BRPH), and GalaxyOne is operated by a SEC/FINRA-registered broker-dealer. 98% of crypto assets are stored offline, and the platform uses bank-grade encryption. But regulatory risk is real-the SEC is investigating their high-yield product, which could change or disappear.
How do I qualify for the 8% APY?
You must be an accredited investor under SEC Rule 501. That means: (1) you earned more than $200,000 individually (or $300,000 jointly with a spouse) in each of the last two years, and expect to earn the same this year; OR (2) you have a net worth over $1 million (excluding your primary home). You’ll need to submit tax documents or bank statements to prove it.
Does GalaxyOne support crypto IRAs?
No, GalaxyOne does not currently offer crypto IRAs. If you want to hold Bitcoin or Ethereum in a retirement account, you’ll need to use a platform like BitIRA, Coinbase, or Fidelity. GalaxyOne only offers taxable brokerage accounts.
What’s the minimum deposit to start?
You can start with just $1 for a standard brokerage account. To qualify for the higher 8% APY yield, you need $100 and must be an accredited investor. There are no fees to open or maintain the account.
Are there hidden fees on GalaxyOne?
No hidden fees. Trading stocks and ETFs is commission-free. Crypto trades have a 0.15%-0.25% maker-taker fee. ACH transfers are free but take 3-5 business days. Instant deposits via Plaid cost $3.50. There are no inactivity fees, withdrawal fees, or account maintenance fees.
Final Thoughts
GalaxyOne isn’t perfect. It’s limited to the U.S., has a small crypto selection, and could lose its best feature-the high yield-if regulators step in. But it’s also the only platform that truly bridges Wall Street and crypto for the average investor. If you’re tired of switching between Robinhood and Coinbase, and you want to treat Bitcoin like a stock, this is your best shot.Just don’t treat it like a get-rich-quick scheme. The 8% yield is a bonus, not a guarantee. The real value is the simplicity: one app, one portfolio, one view of your money. That’s worth something-even if the SEC decides to change the rules next year.