[
  {
    "id": "citi-personal-wealth-management-ai-1755787031853",
    "brokerage": "Citi Personal Wealth Management",
    "title": "Bonus up to $5000",
    "offer_type": "Deposit",
    "tiers": [
      {
        "min_amount": 50000,
        "max_amount": 199999,
        "bonus_amount": 500
      },
      {
        "min_amount": 200000,
        "max_amount": 499999,
        "bonus_amount": 1000
      },
      {
        "min_amount": 500000,
        "max_amount": 999999,
        "bonus_amount": 2000
      },
      {
        "min_amount": 1000000,
        "max_amount": 1999999,
        "bonus_amount": 3000
      },
      {
        "min_amount": 2000000,
        "max_amount": null,
        "bonus_amount": 5000
      }
    ],
    "hold_days": 90,
    "churnable": true,
    "restrictions": [],
    "end_date": null,
    "trust_score": 4.5,
    "promotion_url": "",
    "last_updated": "2026-04-03",
    "data_source": "Verified via DoC scraped 2026-04-03",
    "verified": true,
    "notes": [
      "[Source: DoC Citi Wealth Management page, scraped 2026-04-03] Extended to 6/30/26. Historically extended every quarter since 2020.",
      "Evergreen offer — Citi consistently renews this promotion every quarter. Treat as ongoing.",
      "Churnable: You can reuse an old CPWM account. Leave a few dollars in it and do a partial transfer out, then re-fund for the next bonus cycle.",
      "Tiers: $50k=$500, $200k=$1,000, $500k=$2,000, $1M=$3,000, $2M+=$5,000. 3-month hold. Must enroll in eDelivery."
    ],
    "ai_metadata": {
      "confidence": "high",
      "processed_at": "2025-08-21T15:37:11.853494"
    },
    "links": {
      "doc_page": "https://www.doctorofcredit.com/citi-wealth-management-up-to-3500-bonus/",
      "official_promotion": "https://banking.citi.com/cbol/investment/cpwm/default.htm",
      "referral_link": ""
    },
    "account_type": "brokerage"
  },
  {
    "id": "charles-schwab-ai-1755788058988",
    "brokerage": "Charles Schwab",
    "title": "Referral Bonus Up To $1,000",
    "offer_type": "Deposit",
    "tiers": [
      {
        "min_amount": 25000,
        "max_amount": 49999,
        "bonus_amount": 100
      },
      {
        "min_amount": 50000,
        "max_amount": 99999,
        "bonus_amount": 300
      },
      {
        "min_amount": 100000,
        "max_amount": 499999,
        "bonus_amount": 500
      },
      {
        "min_amount": 500000,
        "max_amount": null,
        "bonus_amount": 1000
      }
    ],
    "hold_days": 365,
    "churnable": false,
    "restrictions": [
      "Must use a referral code/link from an existing Schwab client.",
      "Offer valid for referred individuals who do not currently have a Charles Schwab & Co., Inc. account (other than a Stock Plan Services account).",
      "Qualifying net deposit of cash or securities must be made within 45 days of enrolling in the offer.",
      "For taxable accounts, the net deposit amount (less any market losses) must be maintained at Schwab for at least one year or Schwab may charge back the bonus award.",
      "Schwab Bank Investor Checking™ accounts do not qualify for this promotion.",
      "Ineligible accounts include: Schwab Global Account™, ERISA-covered retirement plans, certain tax-qualified retirement plans and accounts, education savings accounts, Schwab Bank accounts, corporate accounts, or accounts managed by independent investment advisors.",
      "This offer cannot be combined with other offers.",
      "Limited to one bonus per account, with no more than one account enrolled per client.",
      "The bonus award, when combined with the value received from all other offers in the last 12 months, may not exceed $5,000 per household.",
      "Available to U.S. residents only.",
      "Employees, contractors, or persons similarly associated with Schwab or a Schwab affiliate; their spouses; and employees of any securities regulatory organization or exchange are not eligible."
    ],
    "end_date": null,
    "trust_score": 4.5,
    "promotion_url": "https://www.schwab.com/referral",
    "last_updated": "2026-04-15",
    "data_source": "AI Processed - OpenAI GPT-4o-mini",
    "verified": true,
    "ai_metadata": {
      "confidence": "high",
      "processed_at": "2025-08-21T15:54:18.988272"
    },
    "links": {
      "doc_page": "https://www.doctorofcredit.com/charles-schwab-referral-bonus-up-to-500/",
      "official_promotion": "https://www.schwab.com/referral",
      "referral_link": ""
    },
    "account_type": "brokerage",
    "notes": [
      "[Auto-update 2026-04-15] promotion_url, restrictions"
    ]
  },
  {
    "id": "merrill-ai-1755788058988",
    "brokerage": "Merrill",
    "title": "Secret Merrill Brokerage Bonus Of Up To $7,500",
    "offer_type": "Deposit",
    "tiers": [
      {
        "min_amount": 10000000,
        "max_amount": null,
        "bonus_amount": 7500
      },
      {
        "min_amount": 5000000,
        "max_amount": 9999999,
        "bonus_amount": 5000
      },
      {
        "min_amount": 2000000,
        "max_amount": 4999999,
        "bonus_amount": 3500
      },
      {
        "min_amount": 1000000,
        "max_amount": 1999999,
        "bonus_amount": 2500
      },
      {
        "min_amount": 500000,
        "max_amount": 999999,
        "bonus_amount": 1500
      },
      {
        "min_amount": 300000,
        "max_amount": 499999,
        "bonus_amount": 1000
      },
      {
        "min_amount": 200000,
        "max_amount": 299999,
        "bonus_amount": 600
      },
      {
        "min_amount": 100000,
        "max_amount": 199999,
        "bonus_amount": 250
      },
      {
        "min_amount": 50000,
        "max_amount": 99999,
        "bonus_amount": 150
      },
      {
        "min_amount": 20000,
        "max_amount": 49999,
        "bonus_amount": 100
      }
    ],
    "hold_days": 270,
    "churnable": true,
    "restrictions": [],
    "end_date": null,
    "trust_score": 4.5,
    "promotion_url": "",
    "last_updated": "2025-08-21",
    "data_source": "AI Processed - OpenAI GPT-4o-mini",
    "verified": true,
    "ai_metadata": {
      "confidence": "high",
      "processed_at": "2025-08-21T15:54:18.988244"
    },
    "links": {
      "doc_page": "https://www.doctorofcredit.com/secret-merrill-brokerage-bonus-of-up-to-7500/",
      "official_promotion": "",
      "referral_link": ""
    },
    "account_type": "brokerage"
  },
  {
    "id": "merrill-edge-ai-1755788058988",
    "brokerage": "Merrill Edge",
    "title": "Up To $1,000 Cash Bonus for Moving Over Investments",
    "offer_type": "Transfer",
    "tiers": [
      {
        "min_amount": 250000,
        "max_amount": null,
        "bonus_amount": 1000
      },
      {
        "min_amount": 100000,
        "max_amount": 249999,
        "bonus_amount": 400
      },
      {
        "min_amount": 50000,
        "max_amount": 99999,
        "bonus_amount": 200
      },
      {
        "min_amount": 20000,
        "max_amount": 49999,
        "bonus_amount": 100
      }
    ],
    "hold_days": 90,
    "churnable": true,
    "restrictions": [
      "Must fund your account with qualifying net new assets within 45 days of account opening",
      "Must maintain the funded balance for at least 90 days",
      "Must be enrolled in Bank of America Preferred Rewards as of 90 days after funding to qualify for the up-to $1,000 tiers",
      "Qualifying net new assets are calculated by adding incoming transfers and subtracting withdrawals over the preceding 24 weeks"
    ],
    "end_date": null,
    "trust_score": 4.5,
    "promotion_url": "",
    "last_updated": "2026-04-06",
    "data_source": "Verified via DoC scraped 2026-03-18",
    "verified": true,
    "notes": [
      "[Source: DoC Merrill Edge page, scraped 2026-03-18] Offer updated: now $1,000 max with 180-day hold. Tiers: $20k=$100, $50k=$200, $100k=$400, $250k+=$1,000. Previous $750/90-day offer (code 750ME) is no longer current.",
      "[Previous as of 2026-03-14] Promo code 750ME. Tiers: $5k=$50, $20k=$125, $50k=$200, $100k=$350, $200k+=$750. 90-day hold.",
      "[Correction 2026-03-25] Hold period corrected from 180 to 90 days per official Merrill Edge promotion page.",
      "[Auto-update 2026-04-06] promo_code, restrictions"
    ],
    "ai_metadata": {
      "confidence": "high",
      "processed_at": "2026-03-18T00:00:00.000000"
    },
    "links": {
      "doc_page": "https://www.doctorofcredit.com/merrill-edge-brokerage-up-to-1000-cash-bonus-for-moving-over-your-investments/",
      "official_promotion": "https://www.merrilledge.com/offers/pr1000",
      "referral_link": ""
    },
    "account_type": "brokerage",
    "promo_code": "1000PR"
  },
  {
    "id": "betterment-ai-1755788058988",
    "brokerage": "Betterment",
    "title": "Up To $1,500 Investment Bonus",
    "offer_type": "Deposit",
    "tiers": [
      {
        "min_amount": 2500,
        "max_amount": 9999,
        "bonus_amount": 100
      },
      {
        "min_amount": 10000,
        "max_amount": 24999,
        "bonus_amount": 125
      },
      {
        "min_amount": 25000,
        "max_amount": 49999,
        "bonus_amount": 150
      },
      {
        "min_amount": 50000,
        "max_amount": 99999,
        "bonus_amount": 300
      },
      {
        "min_amount": 100000,
        "max_amount": 199999,
        "bonus_amount": 750
      },
      {
        "min_amount": 200000,
        "max_amount": null,
        "bonus_amount": 1500
      }
    ],
    "hold_days": 1095,
    "churnable": false,
    "restrictions": [
      "Hold period of 3 years with early removal fee if withdrawn or transferred to non-eligible accounts before the end of the period",
      "Qualified deposits must be made within 45 days of enrolling in the offer",
      "Offer enrollment and qualified deposit must be completed by 11:59:59 PM ET on April 30, 2026",
      "Offer only available to new, unfunded (zero balance) or existing clients without a retail managed investing account; not available to Betterment Advisor Solutions advised clients",
      "Not available for deposits into joint or trust investing accounts, self-directed investing accounts, Cash Reserve accounts or 401(k) accounts"
    ],
    "end_date": "2026-04-30",
    "trust_score": 4,
    "promotion_url": "",
    "last_updated": "2026-04-13",
    "data_source": "Verified via DoC scraped 2026-02-15",
    "verified": true,
    "notes": [
      "[Source: DoC Betterment page, scraped 2026-02-15] Update 1/29/26: Deal is back and maximum is $1,500. Tiers: $2,500-$9,999=$100, $10,000-$24,999=$125, $25,000-$49,999=$150, $50,000-$99,999=$300, $100,000-$199,999=$750, $200,000+=$1,500. 3 year hold period. Early removal fee applies.",
      "[Auto-update 2026-04-13] end_date: null → \"2026-04-30\", restrictions"
    ],
    "ai_metadata": {
      "confidence": "high",
      "processed_at": "2026-02-15T00:00:00.000000"
    },
    "links": {
      "doc_page": "https://www.doctorofcredit.com/betterment-up-to-1000-investment-bonus-3-year-hold-period/",
      "official_promotion": "https://www.betterment.com/legal/offers/q1-2026-tiered-investing-reward",
      "referral_link": ""
    },
    "account_type": "brokerage"
  },
  {
    "id": "j.p.-morgan-self-directed-investing-ai-1755788058988",
    "brokerage": "J.P. Morgan Self-Directed Investing",
    "title": "Up To $1,000 Bonus With $5,000+ Invested",
    "offer_type": "Deposit",
    "tiers": [
      {
        "min_amount": 5000,
        "max_amount": 24999,
        "bonus_amount": 50
      },
      {
        "min_amount": 25000,
        "max_amount": 99999,
        "bonus_amount": 150
      },
      {
        "min_amount": 100000,
        "max_amount": 249999,
        "bonus_amount": 325
      },
      {
        "min_amount": 250000,
        "max_amount": null,
        "bonus_amount": 1000
      }
    ],
    "hold_days": 90,
    "churnable": true,
    "restrictions": [
      "Cannot combine with Chase Private Client or Sapphire Checking bonus",
      "Must fund within 45 days of opening"
    ],
    "end_date": "2026-07-21",
    "trust_score": 4.5,
    "promotion_url": "",
    "last_updated": "2026-04-08",
    "data_source": "Verified via official Chase page scraped 2026-03-25",
    "verified": true,
    "notes": [
      "[Source: Official Chase page, scraped 2026-03-25] Tiers: $5k=$50, $25k=$150, $100k=$325, $250k+=$1,000. 90-day hold. Fund within 45 days. Expires 4/21/26.",
      "[Correction 2026-03-25] Removed $500k/$1,200 and $2M/$2,500 tiers — not shown on official Chase promotion page. Max bonus is $1,000 for $250k+.",
      "[Auto-update 2026-04-08] end_date: \"2026-04-21\" → \"2026-07-21\""
    ],
    "ai_metadata": {
      "confidence": "high",
      "processed_at": "2026-02-15T00:00:00.000000"
    },
    "links": {
      "doc_page": "https://www.doctorofcredit.com/chase-you-invest-bonus-200-625-bonus-with-25000-250000-investment-account/",
      "official_promotion": "https://www.chase.com/personal/investments/offers-700",
      "referral_link": ""
    },
    "account_type": "brokerage"
  },
  {
    "id": "public-1%-match-on-portfolio-transfer-1764518725796",
    "brokerage": "Public",
    "title": "1% Match on Portfolio Transfer",
    "offer_type": "Transfer",
    "account_type": [
      "brokerage",
      "IRA",
      "401(k)"
    ],
    "tiers": [
      {
        "min_amount": null,
        "max_amount": null,
        "bonus_percent": 1
      }
    ],
    "hold_days": 1825,
    "churnable": false,
    "apy": null,
    "restrictions": [
      "Certain assets are not supported by Public and will be ineligible for transfer."
    ],
    "end_date": null,
    "trust_score": 4.5,
    "promotion_url": "https://public.com/transfer-account",
    "last_updated": "2026-04-05",
    "data_source": "AI Processed - OpenAI GPT-4o-mini",
    "verified": true,
    "notes": [
      "Public will cover up to $100 in transfer fees from your old brokerage.",
      "This is a fairly bad deal for a fintech given that WeBull had a 4% for 5 years a few months ago.",
      "Public debuted a few years ago with a super short hold time (3 or 6 months?) ACAT bonus and had various cost basis issues and 1099 re-issuing problems.",
      "[Auto-update 2026-04-05] account_type (LLM-approved: The suggested updates align with the official terms—adding supported account types, removing the unwarranted $1,000 minimum, simplifying to a flat 1% match, and including the promotion URL.), tiers (LLM-approved: The suggested updates align with the official terms—adding supported account types, removing the unwarranted $1,000 minimum, simplifying to a flat 1% match, and including the promotion URL.), promotion_url (LLM-approved: The suggested updates align with the official terms—adding supported account types, removing the unwarranted $1,000 minimum, simplifying to a flat 1% match, and including the promotion URL.)"
    ],
    "ai_metadata": {
      "confidence": "high",
      "processed_at": "2025-11-30T16:05:25.796711"
    },
    "links": {
      "doc_page": "https://www.doctorofcredit.com/public-brokerage-up-to-10000-bonus/",
      "official_promotion": "https://public.com/transfer-account",
      "referral_link": ""
    }
  },
  {
    "id": "moomoo-deposit-bonus-nvda-1739145600001",
    "brokerage": "Moomoo",
    "title": "Up to $1,000 in NVDA Stock",
    "offer_type": "Deposit",
    "account_type": "brokerage",
    "tiers": [
      {
        "min_amount": 500,
        "max_amount": 1999,
        "bonus_amount": 30
      },
      {
        "min_amount": 2000,
        "max_amount": 9999,
        "bonus_amount": 100
      },
      {
        "min_amount": 10000,
        "max_amount": 49999,
        "bonus_amount": 200
      },
      {
        "min_amount": 50000,
        "max_amount": 99999,
        "bonus_amount": 400
      },
      {
        "min_amount": 100000,
        "max_amount": null,
        "bonus_amount": 1000
      }
    ],
    "hold_days": 180,
    "churnable": false,
    "apy": null,
    "restrictions": [
      "Only ACH, WIRE, or instant transfers qualify (FOP or ACATS not eligible)",
      "Different hold periods for different tiers: 60 days for $500+/$2k+/$10k+, 120 days for $50k+, 180 days for $100k+",
      "ACH transfer limit $15k/month (may be increased to $50k)"
    ],
    "end_date": "2026-08-31",
    "trust_score": 4,
    "promotion_url": "https://www.moomoo.com/us/events/welcome",
    "last_updated": "2026-03-18",
    "data_source": "Corrected via official Moomoo page 2026-03-18",
    "verified": true,
    "notes": [
      "[Source: Official Moomoo terms page topic4_410, verified 2026-03-18] 'Welcome Bonus - Deposit (January 1, 2026 - August 31, 2026)' — Promotion Period: January 1, 2026, 00:00 ET – August 31, 2026, 23:59 ET.",
      "[CORRECTION 2026-03-18] Previously incorrectly expired on 2026-03-12. The 'March 12' date in DoC text referred to a different/older period. Official Moomoo page confirms active through August 31, 2026.",
      "Bonus paid in NVDA stock but can be replaced with other stock(s) by contacting support",
      "No Chex pull or hard pull required"
    ],
    "ai_metadata": {
      "confidence": "high",
      "processed_at": "2026-03-18T00:00:00.000000"
    },
    "links": {
      "doc_page": "https://www.doctorofcredit.com/moomoo-brokerage-bonus-up-to-1000-with-50000-deposit-more/",
      "official_promotion": "https://www.moomoo.com/us/events/welcome",
      "referral_link": ""
    }
  },
  {
    "id": "robinhood-ira-transfer-bonus-1739145600003",
    "brokerage": "Robinhood",
    "title": "2% IRA Transfer Match (Gold Members)",
    "offer_type": "Transfer",
    "account_type": "IRA",
    "tiers": [
      {
        "min_amount": 1,
        "max_amount": null,
        "bonus_percent": 2,
        "max_bonus": null,
        "base_bonus": 0
      }
    ],
    "hold_days": 1825,
    "churnable": false,
    "apy": null,
    "restrictions": [
      "Must be Robinhood Gold subscriber when transfer settles",
      "Must remain Gold subscriber for at least 1 year from first Gold bonus deposit",
      "Early bonus removal fee applies if assets withdrawn within 5 years"
    ],
    "end_date": "2026-04-30",
    "trust_score": 4.5,
    "promotion_url": "https://robinhood.com/us/en/about/retirement/",
    "last_updated": "2026-02-08",
    "data_source": "Manual Update - Robinhood Official",
    "verified": true,
    "notes": [
      "Robinhood Gold subscription costs $5/month or $50/year",
      "Non-Gold members get 1% match all year",
      "Bonus calculated on net deposits only",
      "Calculated using closing price on trading day before transfer settles"
    ],
    "ai_metadata": {
      "confidence": "high",
      "processed_at": "2026-02-08T00:00:00.000000"
    },
    "links": {
      "doc_page": "https://www.doctorofcredit.com/robinhood-gold-3-ira-transfer-bonus-unlimited-cash-bonus/",
      "official_promotion": "https://robinhood.com/us/en/about/retirement/",
      "referral_link": ""
    }
  },
  {
    "id": "robinhood-ira-contribution-match-1739145600004",
    "brokerage": "Robinhood",
    "title": "3% IRA Annual Contribution Match (Gold Members)",
    "offer_type": "IRA",
    "account_type": "IRA",
    "tiers": [
      {
        "min_amount": 1,
        "max_amount": null,
        "bonus_percent": 3,
        "max_bonus": 225,
        "base_bonus": 0
      }
    ],
    "hold_days": 1825,
    "churnable": false,
    "apy": null,
    "restrictions": [
      "Must be a Robinhood Gold subscriber ($5/month) and maintain subscription for 1 year after first Gold match",
      "Only self-directed IRAs qualify (managed IRAs via Robinhood Strategies excluded)",
      "Annual IRA contributions only, subject to IRS limits ($7,500 for 2026)",
      "Funds that earn the match must remain in the IRA for at least 5 years or an early removal fee applies",
      "Non-Gold customers receive a 1% match on contributions, transfers, and rollovers (uncapped)"
    ],
    "end_date": null,
    "trust_score": 4.5,
    "promotion_url": "https://robinhood.com/us/en/about/retirement/",
    "last_updated": "2026-04-06",
    "data_source": "Verified via official Robinhood page scraped 2026-03-25",
    "verified": true,
    "notes": [
      "[Source: Official Robinhood page, scraped 2026-03-25] 3% IRA contribution match for Gold members. $225 boost when maxing out $7,500 annual contribution for 2026.",
      "Non-Gold customers get 1% match year-round.",
      "[Update 2026-03-25] IRA contribution limit for 2026 is $7,500 (up from $7,000). Max bonus updated from $210 to $225.",
      "[Auto-update 2026-04-06] title: \"2% IRA Transfer Match (Gold Members)\" → \"3% IRA Annual Contribution Match (Gold Members)\", restrictions"
    ],
    "ai_metadata": {
      "confidence": "high",
      "processed_at": "2026-02-08T00:00:00.000000"
    },
    "links": {
      "doc_page": "https://www.doctorofcredit.com/robinhood-launches-robinhood-retirement-ira-with-1-match/",
      "official_promotion": "https://robinhood.com/us/en/about/retirement/",
      "referral_link": ""
    }
  },
  {
    "id": "firstrade-ira-bonus-1739145600005",
    "brokerage": "Firstrade",
    "title": "2% IRA Transfer Boost",
    "offer_type": "IRA",
    "account_type": "IRA",
    "tiers": [
      {
        "min_amount": 1,
        "max_amount": null,
        "bonus_percent": 3,
        "max_bonus": 210,
        "base_bonus": 0,
        "label": "IRA Contribution (Under 50) – 2025"
      },
      {
        "min_amount": 1,
        "max_amount": null,
        "bonus_percent": 3,
        "max_bonus": 240,
        "base_bonus": 0,
        "label": "IRA Contribution (Age 50+) – 2025"
      },
      {
        "min_amount": 1,
        "max_amount": null,
        "bonus_percent": 3,
        "max_bonus": 225,
        "base_bonus": 0,
        "label": "IRA Contribution (Under 50) – 2026"
      },
      {
        "min_amount": 1,
        "max_amount": null,
        "bonus_percent": 3,
        "max_bonus": 258,
        "base_bonus": 0,
        "label": "IRA Contribution (Age 50+) – 2026"
      },
      {
        "min_amount": 1,
        "max_amount": null,
        "bonus_percent": 2,
        "max_bonus": 20000,
        "base_bonus": 0,
        "label": "IRA Transfer"
      }
    ],
    "hold_days": 1825,
    "churnable": false,
    "apy": null,
    "restrictions": [
      "IRA accounts only",
      "Must contribute/transfer within 30 days of account opening",
      "3% on new contributions, 2% on transfers from other brokerages",
      "Withdrawal penalties: 3% reclaim within 1 year, 2% reclaim after 1 year but before 5 years"
    ],
    "end_date": "2026-04-15",
    "trust_score": 4.5,
    "promotion_url": "https://www.firstrade.com/accounts/promos",
    "last_updated": "2026-04-07",
    "data_source": "Verified via official Firstrade promos page 2026-03-25",
    "verified": true,
    "notes": [
      "[Source: DoC Firstrade page, scraped 2026-03-14] 3% match on new IRA contributions within 30 days. 2% boost on IRA transfers within 30 days, up to $20,000 max bonus. Extended through 4/15/26. 5-year hold. No fees (unlike Robinhood Gold).",
      "No Gold subscription or other fee required to claim bonus",
      "[Verified 2026-03-25] Promotion still active through 4/15/26. Listed on firstrade.com/accounts/promos. The /ira-match URL now redirects to generic retirement page.",
      "[Auto-update 2026-04-07] tiers, promotion_url"
    ],
    "ai_metadata": {
      "confidence": "high",
      "processed_at": "2026-02-08T00:00:00.000000"
    },
    "links": {
      "doc_page": "https://www.doctorofcredit.com/firstrade-3-ira-contribution-match-2-transfer-boost/",
      "official_promotion": "https://www.firstrade.com/accounts/promos",
      "referral_link": ""
    }
  },
  {
    "id": "kraken-2pct-acats-transfer-2026-04",
    "brokerage": "Kraken",
    "title": "2% ACATS Stock/ETF Transfer Bonus",
    "offer_type": "Transfer",
    "account_type": "brokerage",
    "tiers": [
      {
        "min_amount": 5000,
        "max_amount": 1000000,
        "bonus_percent": 2,
        "max_bonus": 20000,
        "base_bonus": 0
      }
    ],
    "hold_days": 365,
    "churnable": false,
    "apy": null,
    "restrictions": [
      "Requires Kraken+ subscription ($49.99/year) for 2% match; non-subscribers get 1%",
      "Must enable Fully Paid Stock Lending (FPSL) throughout promotion and hold period",
      "Excludes residents of New York and Maine",
      "Bonus paid in USDG stablecoin — can be traded but not withdrawn for 1 year",
      "Must maintain net transfer amount for full hold period or bonus is clawed back (14-day grace period)"
    ],
    "end_date": "2026-04-30",
    "trust_score": 4.5,
    "promotion_url": "",
    "last_updated": "2026-04-03",
    "data_source": "Verified via official Kraken terms page 2026-04-03",
    "verified": true,
    "notes": [
      "[Source: Official Kraken April 2026 ACATS terms page, fetched 2026-04-03] Promotion Period: 14:00 UTC April 1, 2026 - 13:59 UTC April 30, 2026. 2% for Kraken+ subscribers, 1% for non-subscribers. Min $5,000 ACATS transfer. Max $1M eligible ($20,000 max reward in USDG). 1-year hold.",
      "ACATS fee reimbursement available with proof of charge submitted to Kraken Support.",
      "Kraken runs monthly rotating ACATS promotions. URL pattern changed in April 2026 from support.kraken.com/articles/... to kraken.com/kraken-acats-promo-apr-2026-terms."
    ],
    "ai_metadata": {
      "confidence": "high",
      "processed_at": "2026-04-03T00:00:00.000000"
    },
    "links": {
      "doc_page": "https://www.doctorofcredit.com/kraken-securities-stock-eft-2-transfer-bonus-1-year-hold/",
      "official_promotion": "https://www.kraken.com/kraken-acats-promo-apr-2026-terms",
      "referral_link": ""
    }
  }
]