Public.com Platform Review | 2025 Analysis: Security, Investment Features, and User Experience Under SEC Regulation

1. Brand Background

• Full company name : Public Holdings, Inc.

• Founded : 2017, headquartered in New York, USA.

• Product positioning : A "zero-commission investment app" for young investors, providing investments in stocks, ETFs, crypto assets and alternative assets.

• Financing background : Received multiple rounds of venture capital support, including well-known investment institutions such as Accel and Greycroft.

📌Summary : Public.com is a new type of brokerage firm that grew up in the United States, focusing on "social investing + zero commission".

II. Supervision and Compliance

• Regulators : U.S. Securities and Exchange Commission (SEC), U.S. Financial Industry Regulatory Authority (FINRA).

• Registered Entity : Public Investing, Inc. is registered with the SEC as a broker-dealer.

• Investor Protection : Client funds are insured by SIPC (up to $500,000, including $250,000 for cash).

👉 You can verify Public.com's filing information on FINRA BrokerCheck and the SEC's official website .

📌Conclusion : Public.com is a regulated, legal and compliant US investment platform .

III. Investment Products and Services

• Stocks and ETFs : Supports stocks and ETFs listed on major US exchanges, and provides fractional share investments.

• Crypto Assets : Supports investment in mainstream cryptocurrencies such as Bitcoin and Ethereum (provided through our partner Apex Crypto).

• Alternative assets : Launching "art and collectibles" investment from 2023.

• Social features : Users can follow other people's investment portfolios, similar to the "investment version of Twitter."

📌Advantages : The product line is constantly expanding, especially suitable for young investors.

4. Trading Accounts and Fees

• Minimum deposit : No minimum limit.

• Commissions : Zero on stocks and ETFs.

• Spreads/Hidden Fees : There is a spread fee of approximately 1% when buying and selling cryptocurrencies.

• Subscription service : Public Premium ($10 per month) provides deeper analytical tools and market data.

5. Actual test experience in September 2025

• Open an account : Submit your identity and address through the APP, and the review takes about 24 hours.

• Deposit : Test binding to a US bank account, a $100 deposit will arrive within 1 business day.

• Trade : Buy Apple (AAPL) with zero commission and no delay; buy Ethereum (ETH) with a spread of approximately 1.2%.

• Withdrawal : Apply to withdraw $50 to your bank card, which actually takes 3 working days.

📌Conclusion : The account experience is smooth, funds deposit and withdrawal are normal, and it meets the standards of a compliant platform.

6. User Feedback (Collected in 2025)

• front

• Young investors: They prefer zero commission and fractional share investing, which have a low barrier to entry.

• User B: The social investment function is very interesting. I can learn other people's investment ideas.

• Negative

• User C: The product is mainly limited to US stocks and has insufficient coverage of the international market.

• User D: Withdrawal speed is slower than expected, and the spreads on some crypto assets are high.

VII. Media and Industry Reviews

• TechCrunch : Calls Public.com "a new investment app after Robinhood."

• Bloomberg : Reported on its financing expansion, emphasizing its popularity among young investment groups.

• BrokerHiveX survey : High transparency and clear compliance, but functionality is limited to the US market.

8. Compliance Comparison

📌Comparison Conclusion : Public.com is suitable for beginner investors, while Fidelity/Schwab is more suitable for professional and international investors.

9. Multi-dimensional scoring

10. Conclusion

Public.com is a compliant investment platform regulated by the SEC and FINRA , and is completely different from a scam platform:

• Advantages : Zero commission, fractional share investing, social features, funds are protected by SIPC.

• Disadvantages : Limited international market coverage and high cryptocurrency costs.

⚠️ BrokerHiveX Conclusion : Public.com is suitable for beginners and young investors , but not for professional investors who need multi-market investments and complex products.