Composer
Composer turns a plain-English investment idea into a rules-based trading strategy, backtests it against decades of market data, then executes and rebalances it automatically. It is also the brokerage itself, for United States residents trading stocks and ETFs.
What is Composer?
Composer is an automated trading platform that also happens to be the brokerage executing the orders. Published by Composer Technologies Inc., it turns an investment idea written in ordinary English into a rules-based strategy that then runs on its own. Describe a goal, and the AI-assisted editor assembles a portfolio that Composer calls a symphony. The homepage demonstrates the pattern with a user asking for a strategy that benefits from demand for GPUs. Nothing is locked afterwards: every symphony stays fully editable, either through the assistant or through a no-code visual editor covering weighting schemes (custom, inverse volatility, market capitalisation or equal weight), nested if-this-then-that conditionals, and dynamic sorting, filtering and selection from a pool of candidates.
Before any money moves, strategies can be backtested without limit against a benchmark or against another symphony, with fees and slippage folded into the calculation. The platform reports cumulative return, annualised return, trailing three-month return and Sharpe ratio, while a Historical Allocation Graph shows how holdings shifted over time. Once a strategy goes live, Composer places the trades and rebalances the portfolio automatically. A community library, counted at more than 2,000 strategies on the AI page and more than 3,000 on the App Store listing, can be browsed, invested in directly, or remixed into something new.
What sets the product apart from a strategy builder bolted onto somebody else's broker is that Composer is the broker. Composer Securities LLC is registered with the SEC and belongs to FINRA and SIPC; execution, clearing and settlement are carried by Alpaca Securities LLC and Apex Clearing Corporation, custody sits with BMO Harris, and securities are protected by SIPC up to 500,000 USD. Composer Technologies Inc. is also a Registered Investment Advisor. Orders execute on weekdays between 3:50 pm ET and the close.
Taxable individual accounts, Traditional and Roth IRAs, 401(k) and 403(b) rollovers and entity accounts are all supported, alongside a proprietary API and an MCP server for driving your own account programmatically. Founded in 2020, Composer joined SoFi in June 2026 and is now a subsidiary of SoFi Technologies, Inc. Access remains limited to United States residents.
What it does
- Generate a complete trading strategy from a goal described in plain English
- Backtest any strategy without limit against a benchmark or a rival strategy
- Execute trades and rebalance the portfolio automatically, with no manual intervention
- Edit any strategy in a no-code visual editor: weighting, conditionals, sorting and filtering
- Browse, invest in and remix thousands of community-built strategies
- Run the same automated strategies inside a Traditional IRA, Roth IRA or 401(k) rollover
- Drive your own account programmatically through the Composer API or its MCP server
When to use Composer / When not to
A quick filter to help you decide if Composer is the right fit.
When to use Composer
- Self-directed United States retail investors who want algorithmic trading without writing code
- Quantitative and systematic traders looking to prototype and backtest strategies in minutes
- Emerging fund managers, family offices and prop trading desks running several algorithms at once
- Long-term savers who want active, rules-based strategies inside a Traditional IRA, Roth IRA or 401(k) rollover
- Finance, computer science and business teachers who want a hands-on trading platform for their classes
When not to use Composer
- Anyone living outside the United States: individual accounts are closed to non-US residents
- Investors under 18, who are excluded by both the terms of service and the privacy policy
- Traders who need crypto, forex, futures or single-name derivatives beyond the stocks and ETFs on offer
- Non-English speakers, since the platform, the app and every legal document are English-only
- Organisations that need a GDPR footing, a data processing agreement or a named hosting jurisdiction
How to use Composer
A typical end-to-end flow, from setup to results.
- Create an account, which the site claims takes under 90 seconds and a handful of questions
- Pass the brokerage identity checks required of any United States broker-dealer
- Fund the account from a bank account, connected through Plaid
- Describe the strategy you want in plain English, or browse the community library instead
- Let the AI assemble a symphony, or start from scratch in the no-code visual editor
- Adjust weighting, conditionals, filters and parameters until the logic matches your intent
- Backtest the result against a benchmark or another strategy, fees and slippage included
- Take a Trading Pass, free for the first 14 days, to unlock automated execution
- Activate the symphony and let Composer trade and rebalance it for you
- Monitor performance, pause, edit or liquidate at any time, or connect the API or MCP server
Pros & Cons
Pros
- Strategy building, backtesting and live execution sit in one place because Composer is the broker
- No coding skill required, thanks to the AI assistant and the visual editor
- A permanent free tier already covers AI idea generation, backtesting, saving and sharing
- One flat Trading Pass covers unlimited automated trading across every account you open
- Zero commissions and zero management fees on trades
- Tax-advantaged retirement accounts are supported, with outgoing transfer fees covered within limits
- A legible regulatory frame: SEC-registered broker-dealer, FINRA and SIPC member, SIPC cover to 500,000 USD
Cons
- Individual accounts are restricted to United States residents; the platform is closed elsewhere
- No postal address and no contact form are published anywhere, leaving only email and a help centre
- No GDPR commitment, no Article 27 representative and no data processing agreement
- The investable universe stops at stocks and ETFs
- No hosting country or region is disclosed for user data
- The advertised 32 USD per month requires a 384 USD annual commitment, and a long schedule of ancillary fees applies
- Interface, documentation and support are English-only, and there is no Android app
Pricing & Plans
Composer offers a permanent free tier. Without any subscription, users can generate and evaluate trade ideas with the AI, build and backtest strategies in the no-code editor, use the Composer API, and save, watch and share strategies. Automated execution requires the Trading Pass, whose lowest published price point is 32.00 USD per month billed annually, that is 384 USD per year, preceded by a 14-day free trial and cancellable at any time. A single Trading Pass covers every account the user opens. Trades carry no commission and no management fee, though FINRA and SEC regulatory fees apply on sales and a separate schedule of ancillary charges applies to transfers, wires and options. Business entity accounts are quoted on request.
- AI idea generation
- no-code editor
- unlimited backtesting
- Composer API
- saving and sharing
- automated investing
- portfolio metrics
- strategy analytics
- retirement accounts
- cancel any time
- entity trading
- portfolio of diversified algorithms
- API access
- mark-to-market accounting
- full IP ownership of strategies
- priority support
Data, GDPR & hosting
A consolidated view of how Composer handles your data.
GDPR overview
There is no mention of the GDPR anywhere on the site, in the terms of service or in the privacy policy dated 21 May 2026. No Article 27 representative is named, no data protection officer is designated, and no data processing agreement is offered. This is consistent with a service that states it is intended only for United States residents and entities. The rights Composer does describe come from United States state privacy laws: access, correction, deletion, knowing what is sold or shared, opting out of the sale or sharing of personal information, limiting the use of sensitive data, and no retaliation for exercising those rights. Requests go to privacy@composer.trade, with a stated target of 45 days. Global Privacy Control browser signals are honoured as valid opt-out requests. Account holders also receive a separate GLBA consumer privacy notice.
Who owns the data?
The terms of service split ownership in two. Entity customers keep every intellectual property right in what they put into the platform, meaning trading logic, parameters and configurations, and in the strategies the platform generates from those inputs. Everything else, the software, text, graphics and the rest of what the terms call Composer Content, stays with Composer Technologies Inc. or its licensors. In exchange, users grant Composer a perpetual, worldwide, royalty-free, sublicensable and transferable licence to use, analyse, modify, reproduce and create derivative works of their strategies in order to run and improve the platform. Feedback sent to Composer may be exploited freely, with no compensation and no attribution.
Reuse rights
Users may run, edit, share and publish their own strategies freely, and the business pages advertise full intellectual property ownership of strategies for entity accounts. Community symphonies can be invested in directly or remixed into new strategies, which is an explicit feature rather than a tolerated practice. The limits sit elsewhere: the terms forbid reverse engineering, reselling, sublicensing or redistributing the platform, using it to build a competing product, or storing any part of the service outside the platform beyond the outputs it is designed to produce. Automated scraping is prohibited except for search engines and non-commercial archives that respect robots.txt. Personal data collected in the process is governed by the privacy policy, not by the intellectual property clauses, and Composer keeps a broad licence over user strategies for product improvement.
Data retention & training
Hosting summary
Composer publishes no hosting jurisdiction. Neither the privacy policy nor the terms of service name a country, a region or a cloud provider for user data, and a full search of the collected pages returned nothing on data centres, AWS, Google Cloud or Azure. What can be observed from the outside is limited: the website is served behind Cloudflare, whose first A record resolves to 104.18.36.61 on an anycast node geolocated in San Francisco, in the United States, and the legal documents and PDFs are hosted on Google Cloud Storage. The corporate footprint points the same way: the privacy policy covers Composer Technologies Inc. in the United States, Composer Securities LLC, and a Canadian corporation also named Composer Technologies Inc. The service is offered to United States residents only, under New York law, which makes United States hosting probable but not stated. No data processing agreement and no subprocessor list are published; the privacy policy discloses categories of third-party recipients rather than named vendors.
Where Composer works
Country-level availability.
Available in
Not available in
Things to keep in mind
Risks and trade-offs to weigh before adopting Composer.
- Capital is genuinely at risk: the value of a Composer portfolio can fall as well as rise, and past performance guarantees nothing
- Backtests are simulations on historical data and can breed false confidence in a strategy that has never faced a live market
- Automation invites disengagement: letting an algorithm trade unattended can dull the judgement an investor still needs to exercise
- Delegating strategy design to an AI can erode the understanding of why a portfolio holds what it holds
- Options trading carries significant risk, and certain strategies can lose more than the original investment
- Composer keeps a perpetual, transferable licence over user strategies, and testimonials on the site may not represent typical results
- Contractual liability is capped at 100 USD or twelve months of fees, disputes go to binding arbitration, and class actions are waived
Setup & Integrations
Technical difficulty
Technically undemanding, administratively less so. Account creation is advertised at under 90 seconds, and no coding is required at any point: strategies are described in plain English or assembled in a visual editor. The real friction is regulatory, since opening a United States brokerage account means identity documents, a social security number and anti-money-laundering checks, then funding through a bank connection via Plaid. The concepts that take effort are financial rather than technical: weighting schemes, conditionals, Sharpe ratio, benchmarks. Developers wanting the API or MCP server must manage their own credentials.
Deployment
Apps stores
Integrations
Supported languages
Behind Composer
Fundraising
Social
Resources
All the official URLs gathered for verification and reference.
Alternatives
Tools that compete with or complement Composer.
Frequently asked questions
Do I need to know how to code to use Composer?
Can I use Composer if I do not live in the United States?
Is there a free plan, and how much does the paid one cost?
Who actually holds my money and my securities?
What can I actually trade, and when do orders execute?
Is there an API or an app?
Is there a minimum age or a minimum amount to start?
Is Composer GDPR compliant?
Is Composer still an independent company?
Can I move an existing brokerage account across?
Should you pick Composer?
Composer answers a narrow question well: how does someone without a quantitative background run a systematic strategy without hiring an engineer? Describing an idea in plain English, watching the AI turn it into an editable rule set, backtesting it with fees and slippage included, and then letting the platform trade it is a genuinely short path from intent to execution. The decisive design choice is that Composer is the broker rather than a layer bolted onto one, which removes the usual gap between the strategy you designed and the orders that actually reach the market, and brings SEC registration, FINRA and SIPC membership with it. The pricing follows the same logic: one flat Trading Pass covering every account, rather than a commission that would penalise frequent rebalancing.
The boundaries are equally clear, and they are not small. The service is closed to anyone outside the United States, the investable universe stops at stocks and ETFs, and the interface exists only in English. On the governance side, Composer reasons in United States state privacy law: there is no GDPR commitment, no data processing agreement, no published hosting jurisdiction, and targeted advertising plus data sharing with SoFi affiliates are part of the model. The company publishes no postal address at all, which is unusual for a regulated broker and worth noting. Finally, this is an investment product, not a productivity tool: capital is at risk, backtests are simulations rather than promises, and liability is contractually capped.
For a United States investor who wants rules-based automation without code, Composer is a coherent and unusually complete proposition, now backed by SoFi. For everyone else, it is simply out of reach.
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