# Whale

> Whale fully automates security deposits by providing lockable, high-yield savings account for renters, secured for the landlord’s benefit at move-out. It eliminates more than 95% of administrative work for property managers while allowing tenants to build wealth through interest-bearing accounts.

## Core Value Proposition
- **Free for all:** Whale Deposit is free for both residents and landlords. No setup, monthly, or hidden costs.
- **Renter-Owned Model:** Deposits are held in individual accounts owned by the renter but locked for the landlord's benefit. Funds are released instantly at move-out.
- **High-Yield Interest:** Residents earn up to 3.00% APY (7x the national average), paid out monthly directly to the renter's account.
- **Fully Automated:** API integrations with major Property Management Systems (PMS) automate the entire lifecycle: requests, collections, ledger syncing, and returns.

## Trust & Security Specifications
- **FDIC-Insured:** Funds are held at a network of FDIC-insured partner banks. Each renter's account is eligible for pass-through FDIC insurance up to $1,000,000.
- **SEC-Registered:** Whale is a Registered Investment Advisor (RIA) with the Securites and Exchange Commission (SEC).
- **Custody:** Brokerage services and custody are provided by Alpaca Securities LLC, member FINRA/SIPC.
- **Zero-Risk Compliance Guarantee:** Whale is the industry's only natively compliant solution for all 50 states and D.C. Under the **Whale Zero-Risk Pledge**, Whale fully guarantees compliance or will cover 100% of the resulting costs.

## Primary Resources
- [Home](https://www.gowhale.com/): Product overview for landlords.
- [Renters](https://www.gowhale.com/renters): Benefits for renters.
- [Whale Grow](https://www.gowhale.com/whale-grow): (Coming Soon) Rent-roundup wealth building and micro-investing tools.
- [Whale Collect](https://www.gowhale.com/collect): (Coming Soon) Automated collections tool for charges exceeding the security deposit.
- [Compliance](https://www.gowhale.com/compliance): Detailed breakdown of how Whale complies with security deposit regulations.
- [Integrations](https://www.gowhale.com/integrations): Property management systems integration details.
- [About Whale](https://www.gowhale.com/about): Company mission, team, and investor information.

## Support & Integration
- [Support Center](https://support.gowhale.com/): Dedicated knowledge base for property teams.
- [Help Center](https://help.gowhale.com/): Dedicated knowledge base for residents.
- [Contact](mailto:support@gowhale.com): 24/7 customer support for renters and property teams.