Lightyear.com is a financial technology startup that operates in the investment sector. The company offers a unique platform for investing in stocks, funds, and earning interest on uninvested cash. It primarily serves individual investors who are looking to grow their wealth over the long term or hedge against risk.

Lightyear operates in the global market, with a focus on the US, EU, and UK markets. It offers access to over 3,000 US stocks across the NYSE and Nasdaq, as well as ETFs, EU stocks, UK stocks, and money market funds. The company's business model is centered around providing cost-effective investment solutions. It saves on fees by not charging for ETFs and controls conversion fees.

The company also offers an interest-earning feature on uninvested cash, which is a unique selling point. Investors can earn up to 4.50% interest on their uninvested cash. The interest is passed back to the investor at the central bank rates, after a flat 0.75% fee.

Lightyear is regulated in the UK by the Financial Conduct Authority (FCA) and in the EU by the Estonian Financial Supervision Authority (EFSA). It ensures the safety of customer assets by keeping them separate from the company's own assets and holding them with authorized custodians.

In terms of revenue, Lightyear makes money by charging a flat fee on the interest earned on uninvested cash.

Keywords: Investment, Stocks, Funds, Interest, Uninvested Cash, ETFs, US Stocks, EU Stocks, UK Stocks, Money Market Funds.