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Independent Audit Report
Found
VS
Qapital

A comprehensive 20-point independent audit covering fees, FX rates, settlement architecture, regulatory standing, customer protection, and real-world performance benchmarks.

20 Audit Criteria Independent Analysis Current Verified Data Live Benchmarks
TL;DR
It's a tie! Both score 3/5 stars. Choose Found if you need Freelancers and self-employed individuals wanting integrated, or Qapital if you need Behavioral savers wanting 15+ automated savings rules (Guilt. ⬇ Scroll for full 20-point audit
Best For
Found vs Qapital
Freelancers and self-employed individuals wanting integrated... vs Behavioral savers wanting 15+ automated savings rules (Guilt...
Fee Structure
Found vs Qapital
Free plan available; premium features require subscription; ... vs Basic $3/month (automated savings rules); Complete $6/month ...
Rating
Found vs Qapital
3/5 ★ vs 3/5 ★
Found
Online Business Banking & Bookkeeping for Freelancers
Best For Freelancers and self-employed individuals wanting integrated banking, bookkeeping, and tax tools
Core Fee Free plan available; premium features require subscription; not publicly priced
Settlement Fast account opening; real-time transaction categorization; automated bookkeeping
Visit Found ↗
Qapital
Rules-Based Automated Savings & Investing App
Best For Behavioral savers wanting 15+ automated savings rules (Guilty Pleasure, Round-Up, etc.), goal-based investing, and couple co-budgeting features
Core Fee Basic $3/month (automated savings rules); Complete $6/month (+ investing + Dream Team budgeting); Master $12/month (+ co-budgeting + payday divvy); 30-day free trial
Settlement Real-time rule triggers on card transactions; savings goals fund automatically; investing portfolio rebalances automatically; FDIC-insured savings
Visit Qapital ↗
What This Audit Doesn't Cover: Real-time currency fluctuations, promotional offers, region-specific pricing, or temporary fee waivers. Always verify current rates, fees, and features directly with Found and Qapital before making any financial decision.
Full 20-Point Audit Matrix
Verified current data across all key decision criteria
20 Criteria Compared
Audit Criterion Found Qapital
WealthBlueprint RatingOverall score vs. all reviewed platforms (out of 5 stars)
★ ★ ★ ★ ★
3/5
Found: rated on fees, features, safety & ease of use
★ ★ ★ ★ ★
3/5
Qapital: rated on fees, features, safety & ease of use
Cost Structure & Fees
Transaction FeesPer-transfer costs, domestic & international
 Free plan available; premium features require subscription; not publicly priced Basic $3/month (automated savings rules); Complete $6/month (+ investing + Dream Team budgeting); Master $12/month (+ co-budgeting + payday divvy); 30-day free trial
FX / Conversion SpreadMarkup above mid-market exchange rate
 Found 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 		Qapital 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
 No monthly fees — Found does not charge recurring maintenance fees.
Fees subject to change — verify before signing up 		No monthly fees — Qapital does not charge recurring maintenance fees.
Fees subject to change — verify before signing up
Card Issuance FeesVirtual and physical card creation costs
 Found offers virtual cards. Card issuance is typically included at no extra cost.
Check Found app for current card fees 		Qapital does not primarily offer physical cards — access is digital-first.
Check Qapital app for current card fees
Settlement Speed & Reliability
Domestic SettlementLocal bank transfer completion time
Found
Fast account opening; real-time transaction categorization;
VS
Qapital
Real-time rule triggers on card transactions; savings goals
Both platforms offer comparable settlement speeds.
Cross-Border SpeedInternational corridor settlement time
 Found 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 		Qapital 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
 Found publishes service status updates on its official status page for transparency.
Check Found status page for incident history 		Qapital publishes service status updates on its official status page for transparency.
Check Qapital status page for incident history
Security & Regulatory Standing
Regulatory LicensesGoverning bodies and jurisdictions
 Banking via partner FDIC-insured institutions; standard security; automated tax tracking
✓ Licensed 		Banking services via Lincoln Savings Bank (FDIC insured); investment accounts via Qapital Invest (SEC-registered); SIPC coverage up to $500,000
✓ Licensed
Deposit InsuranceGovernment-backed protection scheme
 FDIC insured — your funds are protected up to applicable limits.
Verify current coverage directly with Found 		FDIC insured — your funds are protected up to applicable limits.
Verify current coverage directly with Qapital
2FA & AuthenticationMulti-factor security implementation
 Found offers multi-factor authentication. Enable 2FA in account security settings. Biometric and PIN options vary by device.
Enable 2FA immediately after opening your account 		Qapital 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
 Found monitors transactions for anomalies in real time. You can freeze your card instantly from the app.
✓ Real-time monitoring 		Qapital 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
Found
Freelancers and self-employed individuals wanting integrated banking, bookkeeping, and tax tools
Qapital
Behavioral savers wanting 15+ automated savings rules (Guilty Pleasure, Round-Up, etc.), goal-based investing, and couple co-budgeting features
Platform ClassificationRegulatory and product category
 Online Business Banking & Bookkeeping for Freelancers Rules-Based Automated Savings & Investing App
Withdrawal LimitsDaily / weekly transfer and cash-out caps
 Found applies tiered withdrawal limits based on your KYC verification level and business activity.
Log in to see your current limits 		Qapital withdrawal limits vary by account type and KYC level.
Log in to see your current limits
Supported CurrenciesFiat and digital asset coverage
 Found supports the currencies and assets listed in its official documentation.
Check Found official site for full currency list 		Qapital supports the currencies and assets listed in its official documentation.
Check Qapital official site for full currency list
User Experience & Support
App Store RatingAggregate iOS + Android user satisfaction
 Found is available on both iOS and Android. Rating varies by region.
Verify live ratings on the App Store 		Qapital 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
 Found offers in-app support and email. Response times may vary by account tier.
Check Found help centre for current support options 		Qapital offers support through its help centre and official contact channels.
Check Qapital help centre for current support options
KYC Verification SpeedAccount activation timeline post-submission
 Found typically verifies personal accounts within minutes to 24 hours with a valid ID.
Verify current wait times in the Found app 		Qapital KYC timelines depend on document quality and account type.
Verify current wait times in the Qapital app
Overall VerdictWealthBlueprint independent recommendation
 IT'S A TIE — both score 3/5 stars.

Choose Found if you need: Freelancers and self-employed individuals wanting integrated banking, bookkeeping, and tax tools.
Choose Qapital if you need: Behavioral savers wanting 15+ automated savings rules (Guilty Pleasure, Round-Up, etc.), goal-based investing, and couple co-budgeting features.

➜ Your choice depends on your specific needs
Official WebsiteVisit platform to sign up or verify current fees
 Visit Found ↗ Visit Qapital ↗

Choose Found If:

  • You need Freelancers and self-employed individuals wanting integrated
  • You prefer Free plan available; premium features re
  • You value Fast account opening; real-time transact

Choose Qapital If:

  • You need Behavioral savers wanting 15+ automated savings rules (Guilt
  • You prefer Basic $3/month (automated savings rules)
  • You value Real-time rule triggers on card transact
WealthBlueprint Verdict Summary
Found — Best For
Freelancers and self-employed individuals wanting integrated banking, bookkeeping, and tax tools
✓ Strong in its core category
Qapital — Best For
Behavioral savers wanting 15+ automated savings rules (Guilty Pleasure, Round-Up, etc.), goal-based investing, and couple co-budgeting features
✓ Strong in its core category

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