Groundfloor vs Authoryze

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

Groundfloor compared with Authoryze
Detail	Groundfloor	Authoryze
What it does	Private markets investing platform offering real estate loans, notes, and emerging alternative investments	Authorization and control layer for AI agent payments
Stage	Established	Not given
Founded	2013	Not given
Based in	US	Not given
Pricing model	Freemium	Paid
Pricing	Notes: 5%-9.0% highest return, $100-$10,000 minimum investment; Loans: 10-18% target IRR, $10 minimum investment; 12 Mo Preferred Note: 8.5% fixed rate, $10,000 minimum investment; Groundfloor Bond Note: 9.5% fixed rate, $10,000 minimum investment; Music Royalties Portfolio: 7% annualized return (12	Team Starter: $39.99/month for up to 100 transactions per month. Team Pro: $174.99/month for up to 500 transactions per month. Additional transactions: $0.40 per transaction beyond plan limits. Individuals: 1.5% per transaction ($0.50 minimum), no subscription required, first 5 transactions free. Ne
Key features	Individual real estate loan selection with 10-18% target IRR Auto Finance Portfolio with 13.6% target net IRR for accredited investors Music Royalties Portfolio offering 7% fixed annualized return Pre-IPO Stock Finance Portfolio with 15-18% target net IRR Portfolio tracking and real-time performance monitoring Automated monthly interest payments to investors Mobile app for browsing and managing investments on the go	Single-use virtual cards for each approved purchase Per-transaction, daily, weekly, and aggregate spending limits Auto-approve threshold for small purchases Merchant allowlist with subdomain matching Complete audit trail of all transactions OAuth integration with Claude, ChatGPT, Claude Code, Codex and Cursor Team budgets and rules with shared envelope Per-member and per-agent transaction recording Visa and Mastercard support MCP-native integration
What makes it different	100% repayment track record on real estate-backed notes since platform inception First company qualified by SEC under Regulation A+ to open private real estate investing to non-accredited investors Over 13 years of operating history managing real estate investments since 2013 Direct origination and underwriting rather than marketplace model Verified residential collateral and first- or second-lien security on every loan	Real card and funding details never exposed to agents Each card works once, then is dead Server-side enforcement of all spending rules One breach leaks only one disposable card, not funding source Works in minutes with no setup required
Free plan	Not given	Not given
Open source	Not given	Not given
Platforms	Not given	Not given
Public API	Not given	Not given
Community votes	0	0
DR (Domain Rating by Ahrefs)	48 −1 (down) since last check	9 no change since last check
Trust Flow (Majestic)	19	2
Citation Flow (Majestic)	32	29
Referring domains (Majestic)	595	109

5 details filled in for both companies.

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