u/MKM1601

I’ve been investing in US ETFs via INDmoney (Alpaca backend) and started digging into what happens in a worst case scenario. A few things are making me uncomfortable:

1.	You cannot log into Alpaca directly and partner accounts are locked to the INDmoney app only, confirmed by Alpaca’s own forum  
2.	It’s unclear whether holdings are in our individual names or in a pooled/omnibus account under INDmoney  
3.	When I emailed Alpaca support directly, they just forwarded my query to INDmoney, the exact party I was asking about

The Fi Money shutdown is a good precedent that went smoothly. But Fi gave users advance notice and time. An abrupt shutdown would be a different story.

Tagging IndMoney - can you officially clarify:

•	Are our US holdings held in individual names at Alpaca or pooled?  
•	What is the contingency process if INDmoney becomes unavailable?  
•	Can customers initiate an ACATS transfer out to another broker directly?

Would love to hear if others have got clarity on this.