The fixed-income market, particularly U.S. Treasury Bills (T-Bills), is a $130 trillion industry, yet retail investors lack a simple, user-friendly way to invest in these instruments. Current options either require complex brokerage accounts or offer inefficient alternatives like low-yield savings accounts. With interest rates at multi-decade highs, there's growing demand for safe, high-yield investments like T-Bills, but the process remains cumbersome for everyday investors.
One way to address this gap could be to create a streamlined platform focused exclusively on T-Bills, similar to how Robinhood simplified stock trading. The platform could allow users to buy and sell T-Bills of varying durations (e.g., 4-week, 1-year) with minimal friction. Key features might include:
To handle regulatory requirements, the platform could partner with an existing brokerage that specializes in fixed-income securities.
Such a platform could serve multiple groups:
Revenue could come from asset-based fees (e.g., 0.1%-0.3% annually on holdings), premium features like tax optimization tools, or referral arrangements with brokerages.
A phased approach might work best:
Compared to existing options like TreasuryDirect or traditional brokerages, this approach would focus on user experience and education while providing access to secondary markets for liquidity. The narrow focus on T-Bills could allow for deeper optimization of the investor experience compared to platforms that offer a wider range of investment products.
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Digital Product