Your financial advisor, available 24/7

Welta.us is a technology platform. Investment advisory services are provided by W2B, Inc., an investment adviser registered with the SEC (CRD# 331220). The custodian of your funds is Alpaca Securities LLC, an independent regulated custodian. Your funds, securities and all your investments are in a segregated account at Alpaca Securities.

The AI Advisor does not execute transactions in your investment account. What it does is: profiles you, generates an investment recommendation (which you can adjust), and our internal team of human advisors reviews and approves any plan before executing it. Once active, the AI Advisor monitors your profile and account results, gives suggestions, answers questions, provides education. If you need to modify your plan, the AI Advisor assists you and sends the modification for confirmation by our team before implementing it.

No. The Robo-Advisor is the technology we use to manage portfolios and keep them rebalanced. It's proven technology, approved decades ago and works automatically. The AI Advisor is an additional layer that handles the client relationship: it gives you access to information that until now depended on personalized human attention. The AI Advisor has access to all your information, your account and your history to give you relevant context at any time.

All user information is managed under our privacy policy. We do not share information with third parties. This includes not sharing data with language model providers (LLMs) nor using it for training. The information the AI Advisor uses is the same that already exists in our database and is handled with extreme caution.

You can transfer funds using standard US methods such as ACH, Wire transfers or ACATs, at no cost. You can also make international transfers (SWIFT), which have no charge on our end. In some Latin American countries we offer local deposit methods, whose costs vary by currency, amount and channel used. These costs are clearly shown when selecting the method within the platform.

If you are not a US tax resident, when opening your account you sign the W8-BEN form. This means you will not pay capital gains taxes in the US, but you are responsible for reporting those gains in your country of residence. Regarding dividends, a 30% withholding tax applies. We recommend consulting your local accountant to understand how this applies in your country.

Your investment account is individual, in your name and custodied by a financial entity authorized and regulated by the SEC and FINRA. Additionally, it is protected by SIPC up to USD 500,000. A registered investment adviser with the SEC is assigned to your account. This adviser does not have direct access to your funds: they only manage them according to your profile and objectives. You can withdraw or transfer your money at any time.

Yes. Although when using the Robo-Advisor an investment time horizon is defined, this is only used to configure your portfolio. Your assets are highly liquid and you can withdraw them fully or partially at any time.

We offer three products. In real-time trading you can freely choose what to invest in. The interest-bearing account automatically places your available balance to generate daily interest. In the case of the Robo-Advisor, the platform generates a personalized portfolio based on your profile and manages the account for you.