Carta
Equity Management & Private Securities Platform
Best For
Startups, VCs, and employees wanting cap table management, 409A valuat
Core Fee
Company plans from $2,400/year; fund administration from $12
Settlement
Digital equity issuance in minutes; electronic exercise of s
Gusto
Full-Service Payroll, Benefits & HR Platform
Best For
Small to mid-sized US businesses wanting an all-in-one payroll, benefi
Core Fee
Simple: $49/month + $6/employee; Plus: $80/month + $12/emplo
Settlement
Next-day direct deposit on Plus and above; AutoPilot runs re
Full 20-Point Audit Matrix
Verified current data across all key decision criteria
| Audit Criterion | Carta | Gusto |
|---|---|---|
WealthBlueprint RatingOverall score vs. all reviewed platforms (out of 5 stars) |
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| Cost Structure & Fees | ||
Transaction FeesPer-transfer costs, domestic & international |
Company plans from $2,400/year; fund administration from $12,000/year; CartaX private securities marketplace fees vary by transaction size | Simple: $49/month + $6/employee; Plus: $80/month + $12/employee; Premium: $180/month + $22/employee; Contractor Only: $35/month + $6/contractor; base fee raised March 2026 |
FX / Conversion SpreadMarkup above mid-market exchange rate |
Carta charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app |
Gusto charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app |
Account MaintenanceMonthly or annual account-keeping charges |
Carta applies account maintenance charges as described in its fee schedule. Pricing may vary by region.
Fees subject to change — verify before signing up |
Subscription-based — Gusto charges a recurring fee starting at Simple: $49/month + $6/employe.
Fees subject to change — verify before signing up |
Card Issuance FeesVirtual and physical card creation costs |
Carta does not primarily offer physical cards — access is digital-first.
Check Carta app for current card fees |
Gusto does not primarily offer physical cards — access is digital-first.
Check Gusto app for current card fees |
| Settlement Speed & Reliability | ||
Domestic SettlementLocal bank transfer completion time |
Carta
Digital equity issuance in minutes; electronic exercise of s
VS
Gusto
Next-day direct deposit on Plus and above; AutoPilot runs re
Both platforms offer comparable settlement speeds.
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Cross-Border SpeedInternational corridor settlement time |
Carta supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates |
Gusto supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates |
Uptime / ReliabilityReported annual platform availability rate |
Carta publishes service status updates on its official status page for transparency.
Check Carta status page for incident history |
Gusto publishes service status updates on its official status page for transparency.
Check Gusto status page for incident history |
| Security & Regulatory Standing | ||
Regulatory LicensesGoverning bodies and jurisdictions |
SEC-registered transfer agent and broker-dealer; FINRA member; SOC 2 Type II certified; 256-bit encryption; manages $2.7T+ in equity for 40,000+ companies
✓ Licensed |
SOC 2 Type II certified; 256-bit encryption; all payroll tax filings automated and guaranteed compliant; FDIC-insured spending accounts via partner banks; IRS compliance alerts included
✓ Licensed |
Deposit InsuranceGovernment-backed protection scheme |
Carta holds funds with regulated partner banks. Deposit insurance coverage may apply.
Verify current coverage directly with Carta |
FDIC insured — your funds are protected up to applicable limits.
Verify current coverage directly with Gusto |
2FA & AuthenticationMulti-factor security implementation |
Carta supports 2FA via authenticator app or SMS. Check security settings for available methods.
Enable 2FA immediately after opening your account |
Gusto supports 2FA via authenticator app or SMS. Check security settings for available methods.
Enable 2FA immediately after opening your account |
Fraud DetectionAI/ML-powered transaction monitoring |
Carta employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds.
✓ Real-time monitoring |
Gusto employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds.
✓ Real-time monitoring |
| Features, Limits & Access | ||
Ideal Use CasePrimary audience and core value proposition |
Carta
Startups, VCs, and employees wanting cap table management, 409A valuations, equity plan administration, and access to private company secondary markets
Gusto
Small to mid-sized US businesses wanting an all-in-one payroll, benefits, and HR platform with automated tax filing, digital onboarding, and 150+ integrations including QuickBooks
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Platform ClassificationRegulatory and product category |
Equity Management & Private Securities Platform | Full-Service Payroll, Benefits & HR Platform |
Withdrawal LimitsDaily / weekly transfer and cash-out caps |
Carta withdrawal limits vary by account type and KYC level.
Log in to see your current limits |
Gusto withdrawal limits vary by account type and KYC level.
Log in to see your current limits |
Supported CurrenciesFiat and digital asset coverage |
Carta supports the currencies and assets listed in its official documentation.
Check Carta official site for full currency list |
Gusto supports the currencies and assets listed in its official documentation.
Check Gusto official site for full currency list |
| User Experience & Support | ||
App Store RatingAggregate iOS + Android user satisfaction |
Carta app ratings reflect recent user sentiment — check the App Store/Google Play for current scores.
Verify live ratings on the App Store |
Gusto app ratings reflect recent user sentiment — check the App Store/Google Play for current scores.
Verify live ratings on the App Store |
Customer SupportAvailable resolution pathways and SLA |
Carta routes support through its official help channels. Priority queue access varies by plan.
Check Carta help centre for current support options |
Gusto routes support through its official help channels. Priority queue access varies by plan.
Check Gusto help centre for current support options |
KYC Verification SpeedAccount activation timeline post-submission |
Carta KYC timelines depend on document quality and account type.
Verify current wait times in the Carta app |
Gusto KYC timelines depend on document quality and account type.
Verify current wait times in the Gusto app |
Overall VerdictWealthBlueprint independent recommendation |
IT'S A TIE — both score 5/5 stars.
Choose Carta if you need: Startups, VCs, and employees wanting cap table management, 409A valuations, equity plan administration, and access to private company secondary markets. Choose Gusto if you need: Small to mid-sized US businesses wanting an all-in-one payroll, benefits, and HR platform with automated tax filing, digital onboarding, and 150+ integrations including QuickBooks. ➜ Your choice depends on your specific needs |
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Official WebsiteVisit platform to sign up or verify current fees |
Visit Carta ↗ | Visit Gusto ↗ |
WealthBlueprint Verdict Summary
Carta — Best For
Startups, VCs, and employees wanting cap table management, 409A valuations, equity plan administration, and access to private company secondary markets
✓ Strong in its core category
Gusto — Best For
Small to mid-sized US businesses wanting an all-in-one payroll, benefits, and HR platform with automated tax filing, digital onboarding, and 150+ integrations including QuickBooks
✓ Strong in its core category
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