A new way to get
market upside.

Not yet. Form is a product concept, and this site is a research prototype. You can reserve your spot on our non-binding pre-launch list, but no account is opened and no money is accepted. There is no issuing bank partner today.

We intend to explore issuance by an FDIC-insured bank. There is no FDIC-insured Form product today. Any future coverage would be subject to the issuing bank, deposit eligibility, ownership category and your other deposits at that bank. The general limit is $250,000 per depositor, per insured bank, per ownership category, including covered accrued interest. Principal, eligible accrued guaranteed interest and contingent market-linked interest are different. Do not assume the projected market-linked payment is insured if the bank fails before maturity. The amount of covered accrued interest would depend on the contract and applicable insurance rules. Uninsured amounts remain exposed to the issuing bank’s credit risk.

Under the proposed design, holding to maturity would return your principal plus the stated minimum return. The market-linked component would be zero. You would earn less than the standard CD, and inflation could reduce your purchasing power. These are proposed future issuer obligations, not current guarantees.

Plan to leave the money untouched for the full 1-, 3-, or 5-year term. This model assumes no early withdrawals. If an actual product allowed an early sale, proceeds could be below principal. Final bank terms would determine availability.

At maturity, we compare the index’s closing price with its starting price. Your return is the minimum total return plus your participation rate times positive index price growth, counted only up to the term’s index cap: 5%, 15% or 25% for 1, 3 or 5 years. Above the cap, your interest stays the same. The index cap is applied before participation; it is different from your maximum total return. Dividends are excluded. A 30% market scenario means 30% over the entire term, not each year.

Capping upside reduces the cost of the market exposure. In this model, that can fund more than a dollar of participation per dollar of eligible index gain. For example, 141.35% participation turns a 10% index gain into a 14.135% market-linked return, plus the minimum return. Growth beyond the index cap earns nothing extra. Higher participation does not mean unlimited returns or a guaranteed outcome.

This model assumes no direct customer or brokerage distribution fee and an embedded upfront issuer, hedging and operating reserve of under 1% of the deposit. That reserve reduces market participation. Real costs may differ. Depending on final terms, tax may be owed before cash is paid; the comparison is before tax.

We save your name, email, selected product, amount, term and the illustrated terms for product research and reservation follow-up. We do not ask for bank details, a Social Security number or payment. Automatic email delivery is not enabled in this prototype. You can download your personalized PDF and interactive scenario sheet immediately after reserving.