The boring legal part
Black Liquidity Matters (“BLM,” “we,” “us”) operates a software platform that connects to your account at a third-party, FINRA/SEC-regulated US broker and submits trade instructions on your behalf according to a strategy you select.
We do not custody your funds. Your money lives at the regulated broker, in your name, and is SIPC insured up to $500,000. We cannot withdraw from your account.
Trading involves risk. You may lose money, including your entire investment. Past performance — including all backtests, charts, and target return ranges shown on this site — is not indicative of future results. Markets can decline. Strategies can underperform. Algorithms can have bad weeks, months, or years.
BLM is not a registered investment advisor. Nothing on this site is personalized investment advice. The strategies described are rules-based and do not consider your individual financial situation, tax position, or goals. If you need personalized advice, consult a licensed advisor.
Performance fees (0.25% of profits, calculated on a high-water mark) are deducted at month-end from any net positive performance. There is no fee on a flat or losing month. No subscription is required for the Liquid tier.
You may close your account and withdraw your funds at any time, free of charge, with ACH settlement in 1–3 business days.
“Wait — is this satire or for real?”
Both. On purpose.
The brand voiceis satire. We named ourselves “Black Liquidity Matters” because Wall Street has spent a hundred years marketed in the language of frat houses, yacht parties, and the word “alpha.” That marketing is itself a gate. We're using a different language to point at the same product, on purpose.
The product is real. Regulated broker partner. Real trades. Real risk caps. Real performance fees. Real SIPC insurance. Real money in, real money out, real tax docs at year end.
The thesisis dead serious. Generational wealth gaps in the US are not accidents. They are the cumulative output of policy decisions, redlining, GI Bill exclusion, sundown towns, and a hundred more inputs that compounded — the wrong way — for four hundred years. The same compound interest math that built the gap can be run in the other direction. We're building the tool that does it, automatically, accessibly, transparently.
If the voice makes you laugh and the product makes you money, that's exactly the outcome we're aiming for.
Plain English summary
- • You can lose money. Don't invest what you can't afford to lose.
- • We are software, not a financial advisor.
- • Your money is at a regulated broker, not with us.
- • You can leave at any time, free.
- • We make money only when you make money.
- • Past performance is not future performance.