{"success":true,"faqs":[{"faq_id":22,"question":"What is StockLoyal?","answer_html":"
<\/figure>

Welcome to StockLoyal<\/h3>

StockLoyal is a financial technology platform that converts your merchant loyalty points into real stock investments \u2014 automatically.<\/p>

Think of it as: Your loyalty points \u2192 real investments.<\/strong><\/p>

How It Works<\/h4>
  1. Earn loyalty points from your merchant partner (credit cards, airlines, retailers, restaurants, etc.)<\/li>
  2. StockLoyal converts those points into cash value based on your membership tier<\/li>
  3. Choose stocks you believe in from our stock picker<\/li>
  4. Your points are invested into shares (whole and fractional) held in your own brokerage account<\/li><\/ol>

    Your Brokerage Account<\/h4>

    StockLoyal operates with partners like Alpaca Securities LLC<\/strong>, a FINRA-registered broker-dealer (CRD #304483) and SIPC member. During onboarding, a dedicated individual brokerage account is opened on your behalf \u2014 no separate Alpaca login needed.<\/p>

    Your investments are protected by SIPC coverage up to $500,000<\/strong>.<\/p>

    Investment Options<\/h4>
    • Immediate:<\/strong> Manually choose when to invest your points<\/li>
    • Monthly Sweep:<\/strong> Automatically invest a percentage of your points each month<\/li><\/ul>

      StockLoyal is a Progressive Web App (PWA) \u2014 it works on any mobile or desktop browser, no app store download required.<\/p>","category":"About","tags_csv":"about,what is,overview,stockloyal,introduction","sort_order":1,"is_active":1,"created_at":"2026-04-12 19:42:20","updated_at":"2026-04-20 01:30:26"},{"faq_id":18,"question":"Where can I see how my money flows into my brokerage account?","answer_html":"

      Go to Funding History (accessible from Portfolio). It shows ACH transfers, journal entries from StockLoyal's sweep account to yours, and any dividends.<\/p>","category":"Money Flow","tags_csv":"funding,history,money,ach,journal","sort_order":10,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":14,"question":"Where are my shares held?","answer_html":"

      Your shares are held in your individual brokerage account at Alpaca Securities LLC, a FINRA-registered broker-dealer and SIPC member. You can view your account at alpaca.markets once active.<\/p>","category":"Brokerage & Security","tags_csv":"shares,held,alpaca,sipc,finra","sort_order":10,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":8,"question":"What is the minimum investment?","answer_html":"

      The minimum is $5.00 per individual stock order. The maximum basket total is $5,000, and you can select up to 10 stocks per basket. These limits are set by Alpaca Securities and shown on the Points Slider page.<\/p>","category":"Investing & Orders","tags_csv":"minimum,maximum,basket,limits","sort_order":10,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":4,"question":"Why are my points showing as zero?","answer_html":"

      Points come from your merchant. Try refreshing your points from the home page. If still zero, contact your merchant's loyalty program.<\/p>","category":"Points & Wallet","tags_csv":"points,balance,refresh","sort_order":10,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":1,"question":"Why can't I click \"Convert to Invest Basket\"?","answer_html":"

      You need to complete onboarding first \u2014 your Alpaca brokerage account must be active. Go to Select Broker if you haven't finished setup yet.<\/p>","category":"Getting Started","tags_csv":"onboarding,broker,invest","sort_order":10,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":19,"question":"What is a journal (JNLC)?","answer_html":"

      A journal is a cash transfer from StockLoyal's firm sweep account to your individual Alpaca brokerage account. This is how your converted points become buying power for stock purchases. JNLC stands for Journal Cash.<\/p>","category":"Money Flow","tags_csv":"journal,jnlc,sweep,cash","sort_order":20,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":15,"question":"Is my brokerage account password shared with StockLoyal?","answer_html":"

      No. StockLoyal uses the Alpaca Broker API to manage your account \u2014 you don't have a separate Alpaca password. StockLoyal holds API credentials, not your personal login details.<\/p>","category":"Brokerage & Security","tags_csv":"password,security,alpaca,api","sort_order":20,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":9,"question":"How many stocks can I pick per basket?","answer_html":"

      Up to 10 stocks per basket. This limit is set by Alpaca Securities and is displayed in the Stock Picker when you're selecting stocks.<\/p>","category":"Investing & Orders","tags_csv":"stocks,basket,limit","sort_order":20,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":5,"question":"Can I withdraw cash instead of investing?","answer_html":"

      No \u2014 StockLoyal converts points to stock investments only. Points cannot be cashed out directly.<\/p>","category":"Points & Wallet","tags_csv":"cash,withdraw,points","sort_order":20,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":2,"question":"Do I need an existing brokerage account?","answer_html":"

      No. StockLoyal opens a new, dedicated Alpaca brokerage account on your behalf during onboarding. You don't need a Schwab, Fidelity, or Robinhood account.<\/p>","category":"Getting Started","tags_csv":"brokerage,onboarding,alpaca","sort_order":20,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":20,"question":"What is the sweep account?","answer_html":"

      The sweep account is StockLoyal's omnibus firm account at Alpaca. It holds funds collected from merchant ACH payments and acts as the source for all journal transfers into individual member accounts. Members do not have direct access to this account \u2014 it is managed by StockLoyal as the Introducing Broker.<\/p>","category":"Money Flow","tags_csv":"sweep,firm account,ib,alpaca","sort_order":30,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":16,"question":"Is my data secure?","answer_html":"

      Yes. SSN is AES-encrypted. The app uses HTTPS\/TLS encryption. Your investments are held at Alpaca Securities, a FINRA-registered broker-dealer with SIPC coverage up to $500,000.<\/p>","category":"Brokerage & Security","tags_csv":"security,encryption,sipc,data","sort_order":30,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":10,"question":"How do I buy stocks from my portfolio?","answer_html":"

      Go to Portfolio and tap \"Buy Stock\" for a new position, or tap the \"Buy\" button next to any stock you already own. You can buy by dollar amount or number of shares, using market or limit orders.<\/p>","category":"Investing & Orders","tags_csv":"buy,stocks,portfolio,market order","sort_order":30,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":6,"question":"What is buying power?","answer_html":"

      Buying power is the cash available in your Alpaca brokerage account to purchase stocks. It comes from journaled funds (converted loyalty points) and any dividends you've earned.<\/p>","category":"Points & Wallet","tags_csv":"buying power,cash,alpaca","sort_order":30,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":3,"question":"Why do I need to enter my SSN during onboarding?","answer_html":"

      Your SSN is required by federal regulations (KYC\/AML) to open a brokerage account. It is AES-encrypted and securely transmitted to Alpaca Securities. StockLoyal only stores an encrypted version and never shows more than the last 4 digits.<\/p>","category":"Getting Started","tags_csv":"ssn,kyc,security,onboarding","sort_order":30,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":21,"question":"Where can I see my actual trade executions?","answer_html":"

      Go to Alpaca Trades (accessible from Portfolio) to see filled prices, quantities, and execution details from the broker.<\/p>","category":"Money Flow","tags_csv":"trades,executions,alpaca,filled","sort_order":40,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":17,"question":"Are there fees?","answer_html":"

      StockLoyal may charge merchant-level fees. Trading through Alpaca is commission-free for stocks and ETFs.<\/p>","category":"Brokerage & Security","tags_csv":"fees,commission,cost","sort_order":40,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":11,"question":"How do I sell my stocks?","answer_html":"

      Go to Portfolio and tap the \"Sell\" button next to the stock you want to sell. You can sell by share quantity using market or limit orders.<\/p>","category":"Investing & Orders","tags_csv":"sell,stocks,portfolio","sort_order":40,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":7,"question":"What happens to my investments if I leave the merchant's loyalty program?","answer_html":"

      Your investments remain in your brokerage account at Alpaca. You own the stocks regardless of your loyalty program status.<\/p>","category":"Points & Wallet","tags_csv":"investments,merchant,loyalty","sort_order":40,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":12,"question":"Why is my order still \"pending\"?","answer_html":"

      Orders go through a multi-step pipeline: approved \u2192 funded (cash journaled to your Alpaca account) \u2192 placed (submitted to broker) \u2192 settled. Each step can take up to 1 business day. If pending for more than 2 days, contact support.<\/p>","category":"Investing & Orders","tags_csv":"pending,order,pipeline,status","sort_order":50,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"},{"faq_id":13,"question":"Can I cancel a pending order?","answer_html":"

      Currently, orders cannot be cancelled through StockLoyal once submitted. Contact support for assistance.<\/p>","category":"Investing & Orders","tags_csv":"cancel,order,pending","sort_order":60,"is_active":1,"created_at":"2026-04-12 19:37:09","updated_at":"2026-04-12 19:37:24"}]}