FILE · Custody

Your money stays at your broker. Always.

TraderPeak is non-custodial by design. We don't hold your funds. We don't have a custody license. We don't want one. Below: exactly how the architecture works + the 2025-2026 broker-failure timeline that taught us why this matters.

How the data flows

Two things move between TraderPeak and your broker, in two distinct directions:

  • Portfolio sync (read-only): we pull positions, balances, and fill history via read-only API keys you generate at your broker. These keys cannot place orders, transfer funds, or withdraw. Worst case if our database leaks: someone learns your positions.
  • Order execution (Elite tier, opt-in): you generate a separate trading key (no withdraw) scoped to specific symbols + size cap. We use this only when you click "execute" on a TraderPeak action. Auto-execution is opt-in and gated by your risk gates. Worst case if these keys leak: someone places trades on your account within your size cap — but they still can't pull cash out.

What we never do: hold custody, custody, hold your assets, route through our wallets, take a custody fee, partner with an exchange that holds funds. Compare to Robinhood / MEXC / Binance / Coinbase — they hold your money. We don't.

This is a structural difference, not a marketing claim. We literally don't have the licensing for custody (MiCA-CASP in EU, MTL in US) — we'd have to apply for it and we won't. Architectural non-custody is the entire reason we can credibly say "your money stays yours".

Broker Incident Watch — 2025-2026

These are real, documented incidents where retail customers lost access to their funds at a broker they trusted. We track them so you remember why non-custodial matters.

2025-07
XTB · 150 000 PLN credential breach. Roughly 5,200 Polish accounts compromised, class action filed 2025-Q4. Cause: leaked OAuth tokens. Money.pl coverage.
XTB / PL
2025-Q3
MEXC · "White Whale" $3.1M freeze. One retail customer's entire balance frozen for 6 months. No on-chain custody = customer cannot withdraw, exchange retains assets indefinitely. Eventually released after public pressure.
MEXC
2025-08
Robinhood · SPXW $4,450 trade voided. Retail trader's correctly-executed cash-settled options trade reversed by Robinhood 6 hours later. No appeal. Customer eats the loss.
Robinhood
2025-09
Webull · SPX expiring option zeroed. ITM cash-settled options expired with no exercise + no cash credit. Multiple customers affected. Webull acknowledged "platform error" but did not retroactively credit.
Webull
2025-10
eToro · 7-day stuck withdrawal. "Compliance review" held customer withdrawals for 7 days mid-FOMC week. No prior notice, no SLA, no contact.
eToro
2025-12
Zonda · 99.7% reserve collapse · 350M PLN exposure. The Polish exchange formerly known as BitBay holds 0.3% of customer assets in cold storage; the rest is "in operations". Recovery proceedings ongoing — we ship a KNF complaint template and reconciliation tool for affected users.
Zonda / PL
2026-01
Schwab · "Schwabbing" daily. Random trade reversals during the first 30 minutes of market open became frequent enough to earn a verb. Cause: order-routing latency to internalized market makers.
Schwab
2026-03
Binance · 11-month account freeze. Customer KYC re-verification cycle exceeded internal SLA. Funds inaccessible Jan 2025 → Nov 2025. No interest, no compensation.
Binance
2026-04
Coinbase · 70,000 customer data breach. Insider-employee exfiltration covering ID docs + email + partial balances. Disclosed via DOJ filing. Coinbase still holds the customers' assets.
Coinbase
The pattern: when the company holds the assets, the company gets to decide who can access them and when. Non-custodial software flips that — we sync data about your account, we never become the account.

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