BlueReef is a registered investment adviser located in Miami, Florida. BlueReef may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. BlueReef’s website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of BlueReef’s website on the Internet should not be construed by any consumer and/or prospective client as BlueReef’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by BlueReef with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of BlueReef, please contact the state securities regulators for those states in which BlueReef maintains a registration filing. A copy of BlueReef’s current written disclosure statement discussing BlueReef’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from BlueReef upon written request. BlueReef does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to BlueReef ‘s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

* The APY (annual percentage yield) for deposit balances in Bluereef Cash Reserve (“Cash Reserve”) is currently 4.50%. This rate is calculated as the weighted average of the APY offered by the banks participating in Cash Reserve (referred to as “Program Banks”). The information is up to date as of May 20, 2023. Please note that the APY is variable and subject to change on a daily basis. Deposit balances are not distributed equally among the Program Banks. A minimum deposit of $10 is required to open an account, and there is no minimum balance requirement thereafter. The APY may be lower if you choose to exclude certain banks from receiving your deposits. It’s important to note that the APY applies specifically to Cash Reserve and does not pertain to checking accounts held through Bluereef Capital. Cash Reserve and Bluereef Capital are separate services and are not linked accounts.

** The FDIC (as of April 17, 2023) reports the national average savings account interest rate as the average annual percentage yield (APY) for savings accounts with deposits under $100,000.



Investing carries inherent risks, and there is a possibility of losing money when investing in securities and digital assets. Past performance is not indicative of future results, and the likelihood of investment outcomes is hypothetical.

Investments in securities and digital assets are not insured by the FDIC, are not guaranteed by banks, and may decrease in value.

Additionally, investing in digital assets is highly speculative and volatile, suitable only for investors who can tolerate the risk of potential losses and significant market fluctuations. Digital assets are not considered legal tender and are not backed by the U.S. government. They are also not protected by SIPC (Securities Investor Protection Corporation) safeguards.

Before making any investments, it is important to consider your investment objectives and be aware of the fees and expenses associated with Bluereef Capital LLC. The internet-based advisory services offered by Bluereef Capital LLC are designed to assist clients in achieving specific financial goals, but they do not provide comprehensive tax advice or cover all aspects of a client’s financial situation, including investments held elsewhere. 

This information is not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Bluereef Capital LLC is not registered.



Bluereef Capital disclaims all responsibility and liability for the content, accuracy, reliability, or opinions expressed on any third-party website that is linked to in a published article (“linked website”). BlueReef Capital does not monitor, investigate, or verify the accuracy or completeness of linked websites. It is your responsibility to assess the accuracy, reliability, timeliness, and completeness of any information provided on a linked website.

Any products, services, or content obtained from a linked website are provided “as is” without any warranty, whether expressed or implied. This includes, but is not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy. If Bluereef Capital has a relationship or affiliation with the author or content of a linked website, this will be disclosed additionally.


This website and information are provided for guidance and information purposes only.  Investments involve risk and unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy.  This website and information are not intended to provide investment, tax, or legal advice.