Lucible is a combined checking and investment account [1] founded in 2024 and based in New York City, NY, USA [2]. The company participated in Y Combinator's Summer 2024 batch [3] and operates with a team of 2 [4]. Lucible's service allows users to invest 100% of their money while maintaining spending capability [5]. When a user makes a purchase, the platform issues a loan in real time, using the user's investments as collateral to cover the transaction cost [5]. According to the company, this approach represents the most capital and tax efficient way to manage money [5]. The mechanism mirrors financial strategies employed by wealthy individuals for large purchases and extends this approach to everyday spending [5].
About
- Lucible is a combined checking and investment account that allows you to invest 100% of your money while still being able to spend it. Whenever you spend, we issue a loan in real time, using your investments as collateral, to cover the cost. This is the most capital and tax efficient way to manage your money. It's what the ultra wealthy already do to finance large purchases, and now you can do it for every day spending.[5]
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