Built on verified truth,
not self-reported claims
Every performance metric on OnlyInvesting is pulled directly from brokerage APIs. No screenshots. No spreadsheets. No trust-me-bro numbers.
How brokerage verification works
Our 4-step verification process ensures every creator's performance data is authentic, auditable, and continuously monitored.
Account Linkage Request
Creators initiate verification by connecting their brokerage account through our secure OAuth integration. We support Schwab, Fidelity, TD Ameritrade, Interactive Brokers, and 12 other major brokerages.
Identity & Account Validation
We cross-reference the brokerage account holder identity against government-issued ID via our KYC partner. Account must be active and in good standing for a minimum of 6 months.
Performance Data Audit
Historical trade data is pulled directly from the brokerage API — not self-reported. Our system calculates time-weighted returns, drawdowns, and win rates using standardized GIPS-aligned methodology.
Ongoing Compliance Monitoring
Verified status is not permanent. We re-validate brokerage connections monthly and flag any discrepancies between reported and actual performance. Violations result in immediate badge removal.
Regulatory & compliance framework
OnlyInvesting operates in a legally complex space. Here's exactly how we navigate it — and what we require of every creator on the platform.
Regulatory Alignment
- Creators are not registered investment advisers (RIAs) and cannot provide personalized investment advice
- All content is classified as educational and informational under SEC guidelines
- Creators must disclose all material conflicts of interest, including positions held
- No pump-and-dump, coordinated trading, or market manipulation tolerated
Content Standards
- Performance claims must reference verified brokerage data — no hypothetical backtests presented as real
- Risk disclosures required on all posts discussing specific securities
- Creators must disclose if they hold positions in securities they discuss
- Promotional content for third-party financial products requires explicit labeling
Creator Obligations
- Annual re-certification of compliance training
- Immediate disclosure of any regulatory actions or investigations
- Prohibition on guaranteeing returns or implying risk-free outcomes
- Subscriber data may not be used for solicitation outside the platform
Important: OnlyInvesting is an educational content platform, not a registered broker-dealer or investment adviser. Creators on this platform are not licensed financial advisers. Nothing on this platform constitutes personalized investment advice. Always consult a qualified financial professional before making investment decisions.
How we protect your data
Financial data demands financial-grade security. Here's the infrastructure and practices we've built to protect every user.
End-to-End Encryption
AES-256All data in transit is encrypted via TLS 1.3. Brokerage credentials are never stored — only read-only OAuth tokens with 90-day expiry.
SOC 2 Type II Infrastructure
SOC 2Our cloud infrastructure is hosted on SOC 2 Type II certified providers. Annual penetration testing by independent third-party security firms.
Zero-Knowledge Architecture
PCI DSSPayment processing is handled entirely by Stripe. We never see, store, or process raw card data. PCI DSS compliance is maintained at the processor level.
Data Residency & Privacy
GDPRUser data is stored in US-East data centers. GDPR and CCPA compliant. You can request full data export or deletion at any time via account settings.
Content moderation standards
We enforce strict content standards to protect subscribers from misleading financial content. Here's what's prohibited, required, and how we enforce it.
Prohibited Content
- Guaranteed return claims
- Unlicensed investment advice
- Coordinated trading schemes
- Misleading performance screenshots
- Undisclosed affiliate promotions
Required Disclosures
- Position disclosures on discussed securities
- Conflict of interest statements
- Risk warnings on speculative content
- Hypothetical vs. actual performance labels
- Subscriber relationship disclosures
Enforcement Actions
- Warning issued for first minor violation
- Content removal within 2 hours of flag review
- Verified badge suspension for material violations
- Permanent ban for regulatory violations
- Cooperation with regulatory investigations
See something that violates our standards?
Every piece of content has a report button. Our moderation team reviews all reports within 2 business hours.
Important risk disclaimers
We believe in radical transparency. Read these carefully before subscribing to any creator.
Past Performance Does Not Guarantee Future Results
All performance data shown on OnlyInvesting reflects historical results. Historical returns are not indicative of future performance. Markets are unpredictable and all investments carry the risk of loss, including the potential loss of principal.
Not Investment Advice
Content published on OnlyInvesting is for educational and informational purposes only. Nothing on this platform should be construed as personalized investment advice, a recommendation to buy or sell any security, or a solicitation to invest. Creators are not registered investment advisers.
Brokerage Verification Limitations
While we verify performance data directly from brokerage APIs, verification does not constitute an endorsement of a creator's strategy, risk management, or suitability for any individual investor. Verified data reflects past trades only — not future recommendations.
Subscription Fees Are Non-Refundable
Subscription fees paid to creators are non-refundable. Subscribing to a creator does not guarantee access to specific content, trade alerts, or investment returns. Creators may change their content strategy, posting frequency, or discontinue their account at any time.
Risk of Loss
Investing in securities involves substantial risk. You should only invest money you can afford to lose. Options, leveraged products, and speculative strategies discussed by creators carry significantly higher risk than traditional buy-and-hold investing. Consult a licensed financial adviser before making any investment decisions.
Questions about safety?
Our compliance team is available to answer questions about our verification process, content standards, or security practices.