In a world where personal finance can feel stressful and overwhelming for many consumers, Moola, a mobile-only financial platform, is hoping it can break down barriers to make investing more accessible.
Launched in March 2025 by husband-and-wife team Jason and Magda Schappert, Moola is designed to empower underserved Americans—particularly those with demanding schedules or limited financial expertise—by offering a simplified, education-first approach to wealth-building.
Through a strategic partnership with Alpaca, a developer-first API for stock, options, and crypto trading, Moola says it is redefining how everyday investors engage with the financial markets.
For many, the complexity of traditional investment platforms creates a somewhat daunting entry point.
New investors, such as the 35-year-old nurse working 12-hour shifts that Moola targets, often lack the time or prior knowledge to navigate intricate financial tools.
Moola addresses this by consolidating fundamental investment products—US stocks, ETFs, Individual Retirement Accounts (IRAs), Fully Paid Securities Lending (FPSL), and high-yield cash—into a single, intuitive mobile interface.
By stripping away financial jargon and presenting information in plain English, Moola ensures that users are not overwhelmed by unnecessary complexity.
The Schapperts’ journey to founding Moola was born from their own experiences.
After selling their aviation business in 2024, they leveraged their newfound financial knowledge and equity to create a platform that translates complex concepts into digestible insights.
Their mission is clear: to empower the “everyday go-getter” with tools to build wealth without needing a finance degree.
For many Moola users, this is their first brokerage account, and the platform’s educational focus helps simplify investing, guiding users through decisions with clarity and confidence.
Moola’s partnership with Alpaca has been instrumental in bringing this vision to life.
Alpaca’s Broker API enabled Moola to rapidly develop and launch its platform, allowing the Schapperts to focus on user experience rather than back-end infrastructure.
Features like Alpaca’s fractional trading capabilities have been particularly transformative, enabling users to invest in high-cost stocks by purchasing fractions as small as a ninth decimal point.
This makes investing more affordable for users who might otherwise be priced out of the market.
Additionally, Alpaca’s KYC-as-a-service streamlined regulatory compliance, allowing Moola to launch quickly without navigating the complexities of Know Your Customer processes independently.
Since its launch, Moola has seen steady growth, driven largely by its engaging TikTok channel, which has amassed over 100,000 followers.
This social media presence has helped attract new investors, contributing to Moola’s goal of reaching $100 million in Assets Under Management (AUM) by the end of 2025.
Looking ahead, Moola plans to expand its offerings to include cryptocurrency, responding to user demand as evidenced by the popularity of the iShares Bitcoin ETF (iBit) among its members.
However, Moola’s crypto offering will prioritize simplicity and safety, operating as a closed system without wallet transfers to minimize risks.
Despite its growth, Moola remains committed to its mom-and-pop ethos, with Jason and Magda prioritizing hands-on support and community trust.
This partnership exemplifies how technology and human-centered design can bridge the gap between aspiration and financial independence, ensuring that wealth-building is within reach.
As Moola continues to grow, its focus on education, accessibility, and simplicity positions it as being a useful app for personal finance.
By leveraging Alpaca’s infrastructure, Moola is not just focused on simplifying investing—it’s hoping it can continue redefining who gets to participate in the journey to financial autonomy.