Makara by Betterment 4+

Crypto Investing Portfolios

Makara Digital Corporation

Designed for iPhone

    • 4.4 • 114 Ratings
    • Free

iPhone Screenshots


Makara by Betterment is one of the first SEC-registered automated investment advisors focused in crypto. We use advanced algorithms to build and manage crypto portfolios that are specifically tuned to each investor's goals and preferences. Just as important, we try to ensure that one of the most innovative asset classes in history is accessible to anyone who wants to be a part of it.

For many people, crypto is complicated and unapproachable. There are thousands of assets, all with names that sound alike, and you have to learn an entirely new vocabulary if you hope to understand what anyone is talking about. We want to remove those barriers to entry. And of course, we want to help you make money.

Instead of simply letting you buy crypto, we help you invest in it—through education, highly curated and diversified investment options, and an intuitive user experience. Makara really is crypto made easy. For everyone.


Cryptocurrencies are volatile assets. Rather than invest in coins one-by-one, Makara baskets allow you to invest in dozens at the same time. If you’re interested in Decentralized Finance, choose the curated mix of tokens in the DeFi Basket. The Inflation Hedge Basket includes both Bitcoin and Paxos Gold, and the Universe Basket contains a broad range of cryptocurrencies and offers the most exposure to the market as a whole. If you’re not sure what you want, that’s no problem either. Just tell us a few things about yourself (your goals, interests, and risk tolerance), and we’ll suggest the right baskets for you.

Diversifying your portfolio has long been a principle in the traditional market. We think it’s time the concept is applied to crypto, too.


Download the app and sign up for Makara by Betterment. In less than five minutes, you’ll be ready to start investing in cryptocurrencies.

We'll ask you some questions about your goals and interests, then recommend baskets based on your responses. You can follow those recommendations or browse the different baskets and choose for yourself.

Connect your bank account to transfer cash into the app, or we can transfer your existing cryptocurrency from another exchange. Fund your account with as little as $50, and you’re ready to go.

Your diversified digital assets are monitored and rebalanced regularly by our sophisticated algorithm. Checking in on them or placing new buy and sell orders is as easy as opening the app.


Makara by Betterment simplifies cryptocurrency investing through an education-centric experience and a curated set of diversified baskets. Our goal is to help you understand exactly what you’re investing in and why. Because then you’ll also understand exactly why we are the company to guide you.

Argonaut Asset Management Inc. (d/b/a “Makara”) is a wholly-owned subsidiary of Betterment Holdings, Inc., and an affiliate of Betterment LLC. The above material and content should not be considered to be a recommendation. Investing in digital assets is highly speculative and volatile, and cryptocurrency is only suitable for investors who are willing to bear the risk of loss and experience sharp drawdowns. Purchases or holdings of cryptocurrency are not FDIC or SIPC insured.

What’s New

Version 1.15.0

- Ensure airplane mode is detected on start

Ratings and Reviews

4.4 out of 5
114 Ratings

114 Ratings

Digitalfigment ,

So Far Pretty Good!

So far my experience with the app is pretty good overall.

Two features I would recommend are (1) when transferring funds into your Makara account using crypto to display a notice in the app acknowledging a transfer of funds has been registered with Makara. Although I can quickly view on Eitherscan that the transfer has successfully completed, Makara does take a good amount of time before funds are reflected in your Makara account, which may leave some customers wondering if their transfer got lost. Makara does recommend making small crypto test deposits to ensure wallet compatibility, but this alert is a fine print and some beginners could easily overlook this message.

The second (2) feature I would recommend is adding a graph for personal portfolio performance (hourly, daily, monthly, etc.). Other than that, everything looks good!

Developer Response ,

Thanks for your feedback and for being a Makara client. I'm excited to say that both of those features are on the roadmap. Push and email notifications of funds arrival should hopefully be released this coming week. Performance charts are expected within the month.

We look forward to getting these features into your hands.

- Jesse Proudman
CEO, Makara

mcpilger ,

Makara Investor Experience

Have been investing with Makara for some time now and highly recommend it. Great for new crypto investors but also those experienced. An issue across the crypto industry is that customer service can be poor to non-existent. But Makara's customer service is incredible - highly responsive, detailed, helpful, and personal - I can't say enough about how great they've been - it's clear they are highly dedicated to their investors. Sophisticated crypto index funds have been only available to high net wealth and accredited investors (ex: Grayscale Defi Fund), but with Makara's baskets this type of investment is now available for the rest of us. And with incredibly low fees. App is intuitive, easy to use, and provides access to some great investment/industry articles. Having always bought crypto w/ limit orders on spot exchanges prior, it took me a bit to get used to not knowing the exact price my purchase order would be placed at - but similar to the experience of buying mutual fund shares on a brokerage. Overall, it's been a great investment experience so far and looking forward to new options and features Makara will undoubtedly add in the future.

dingus1776 ,

Algo is great, App and UX needs work

From an investing standpoint, this is a great product from a great team. The app, however, still requires a lot of work. It re-logs in mid session, takes multiple face-ID scans, will show the new notification red dot when nothing new has happened. Frustratingly, there’s no display that shows the performance of the baskets you’ve invested in nor the history all performance of your funds since you’ve invested (aside from a general up/down percentage which seems to be out of line with how the total portfolio value has changed and gives no indication of what the percentage means nor what time period it is measuring over, although I assume it’s over a day. I have no idea where I’m making and losing money across the baskets.

I want to trust Makara with my funds but I will be left wanting more (and not investing more) until they’ve improved these features. Make it obvious that you’re doing a good job. Thanks!

App Privacy

The developer, Makara Digital Corporation, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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