--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Clear" developer_entity: "Clear Corretora de Titulos e Valores Mobiliarios S.A." bundle_id: "br.com.xpinc.clear.app.ios" app_store_id: "6447694643" category: "Finance" primary_platform: "ios" primary_monetization: "Freemium" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2026-10-28" report_date: "2026-10-29" last_verified: "2026-10-29T00:00:00.000Z" report_version: "5.8.0" total_reviews: 339 overall_rating: 4.7 sentiment: "Upset" sentiment_score: 15 confidence: "high" confidence_score: 0.7 top_praise_theme: "Simple and fast execution of stock and fund purchases remains the primary functional benefit for active traders" top_complaint_theme: "Frequent app crashes and slow loading times prevent users from accessing their own investment portfolios" review_sample_size: 50 total_review_count: 50 analyzed_review_count: 50 data_age_days: 16 momentum_velocity: "steady" intelligence_version: 2 tags: ["finance", "freemium", "upset sentiment", "mobile app", "app review", "app analysis", "active", "retail", "traders"] canonical_url: "https://marlvel.ai/apps/clear" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Clear Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Freemium - **Signal**: Rating 4.69 · Sentiment Upset - **Recent focus**: Frequent app crashes and slow loading times prevent users from accessing their own investment portfolios (top complaint) · Simple and fast execution of stock and fund purchases remains the primary functional benefit for active traders (top praise) > **TL;DR:** Clear is a finance app by Clear Corretora de Titulos e Valores Mobiliarios S.A., rated 4.69/5 by 339 users, with Upset user sentiment (15/100), available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Clear faces Upset user sentiment (4.69/5 from 339 reviews), with users reporting frequent app crashes and slow loading times prevent users from accessing their own investment portfolios as the primary concern. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 4.69/5 (339 reviews) | | **User Mood** | Upset | | **Category** | Finance | | **Developer** | Clear Corretora de Titulos e Valores Mobiliarios S.A. | | **Pricing** | Freemium | | **Platforms** | iOS | | **Confidence** | High (0.7/1.0) | | **Data Age** | 16d | ## Metadata & Market Performance - **Publisher:** Clear Corretora de Titulos e Valores Mobiliarios S.A. - **Category:** Finance - **Target Audience:** Active retail traders and individuals interested in variable income investments who require professional-grade tools and educational support. - **Platforms:** iOS - **Version Reviewed:** 5.8.0 - **Report Date:** 2026-10-29 - **Signal Count:** 50 reviews analyzed - **Confidence:** High (0.7/1.0) - **App Store ID (iOS):** 6447694643 - **Bundle ID:** br.com.xpinc.clear.app.ios - **Data Window:** Analysis based on signals collected up to 2026-10-29 ## Executive Snapshot **What it is:** Clear is a mobile trading platform for Brazilian retail investors, offering zero-brokerage access to variable income assets and professional trading tools on iOS. **Why users hire it:** The platform removes the financial friction of brokerage fees, serving traders who require high-frequency execution and professional-grade desktop integration. ## App DNA (Features & Intent) - **[Differentiator] Zero-Brokerage Trading:** Execution of trades for stocks, ETFs, and other assets without brokerage fees, acting as a primary acquisition lever. - **[Differentiator] AIA Personal Trader:** AI-driven tool providing insights and trade suggestions to improve performance, serving as a retention lever. * *User Intent:* Users seek enhanced value through premium features. - **[Differentiator] Professional Trading Platforms:** Free access to advanced desktop platforms like Profit Pro and Tryd Trader, gated by minimum trading volume. * *User Intent:* Users seek enhanced value through premium features. ## Market Position {#market-position} Clear holds a #75 Free rank in its category in Brazil, reflecting a niche but active user base. The gap between its zero-cost acquisition model and the high volume of negative sentiment regarding stability suggests a failure to convert discovery into long-term retention. ## Monetization Strategy - **Model:** Freemium - **Tiers:** Free account with zero brokerage fees, Professional platforms free if 5+ minicontracts traded per month with RLP active - **Analysis:** Monetization relies on RLP (Retail Liquidity Provider) volume and platform usage requirements rather than direct brokerage commissions. ## 🔴 User Sentiment (High Confidence: 50 of 50 reviews analyzed) {#user-sentiment} - **Overall Rating:** 4.69/5 - **Platform Split:** iOS 4.7/5 (339 ratings) - **Overall Sentiment:** Upset - **Note:** The 4.69/5 store rating reflects cumulative history, while the Upset sentiment reflects recent user reviews analyzed by our AI pipeline. ### Top Praises - **Simple and fast execution of stock and fund purchases remains the primary functional benefit for active traders** ### Top Complaints (Impact Areas) - **Frequent app crashes and slow loading times prevent users from accessing their own investment portfolios** ## SWOT Analysis {#swot} **Core Strengths:** - Zero-brokerage trading removes the primary barrier to entry for retail traders. - Professional-grade desktop platform access drives volume via RLP incentives. **Growth Levers:** - Reverting to a simpler interface design could address the primary navigation complaints. ## What's New - **Latest (v5.8.0, yesterday):** Introduced system-adaptive light and dark themes and added direct in-profile access to variable income specialists. ## App Momentum (Steady) {#momentum} - Shipped system-adaptive theme customization. - Added direct in-profile specialist access. > **Cadence:** 2 total versions · 1 majors in last 6 months · 1 days since last update · 9 days avg between updates ## The "So What?" (Strategic Takeaway) {#so-what} Clear is a finance app that is free with in-app purchases. With a 4.69/5 rating from 339 reviews, it draws more critical themes in recent reviews than its store average suggests. > **Bottom Line:** Security verification and stability improvements would address the critical churn drivers currently undermining Clear's zero-brokerage value proposition [1, 2]. **Best for:** Active retail traders and individuals interested in variable income investments who require professional-grade tools and educational support. ### PM Action Plan (Next Best Moves) - [ ] [INVEST] Audit order authentication logic because users report trades executing without passwords → restore platform security ### Outlook: Declining The outlook for Clear is negative as performance degradation and security concerns overshadow its zero-brokerage value proposition [1, 2]. Unless the team prioritizes stability and security, the platform will continue to lose active traders to more reliable competitors, regardless of the cost-saving benefits. - 🔴 Critical security allegations regarding unauthenticated order execution are driving user churn, which threatens the platform's core trust. - 🔴 Frequent app crashes and slow loading times prevent users from accessing their portfolios, eroding the daily active habit. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 4.69/5 | | Total Reviews | 339 | | Sentiment | Upset (15/100) | | Confidence | High | | Pricing Model | Freemium | | Platforms | iOS | | Key Features | 3 analyzed | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Clear** (this app) | 4.69/5 | Upset | Clear Corretora de Titulos e Valores Mobiliarios S.A. | | [Banksola: Budget Planner](https://marlvel.ai/apps/banksola-budget-planner) | 4.6/5 | Mixed | Quickdollarapp, Inc | | [DEGIRO: Investing & Trading](https://marlvel.ai/apps/degiro-investing-trading) | 4.1/5 | Mixed | DEGIRO - Online Trading App | | [Digital Budget](https://marlvel.ai/apps/digital-budget) | 5.0/5 | Thrilled | Bryant Foster | | [Equito App](https://marlvel.ai/apps/equito-app) | 2.5/5 | n/a | Equito APP SL | | [Hourly: Freelance Tracker](https://marlvel.ai/apps/hourly-freelance-tracker) | N/A/5 | N/A | Albert Lewinski | ## Company Profile - **Developer:** Clear Corretora de Titulos e Valores Mobiliarios S.A. - **Website:** [https://www.clear.com.br](https://www.clear.com.br) - **Social:** [Instagram](https://www.instagram.com/clearcorretora) · [Facebook](https://www.facebook.com/ClearCorretora) · [X/Twitter](https://twitter.com/clear_corretora) · [YouTube](https://www.youtube.com/playlist) ## Data Sources & Links - **App Store ID:** 6447694643 - **Dev Site:** [Official Website](https://www.clear.com.br) - **Sources:** Developer website content, App store metadata, User reviews. ## Related Intel Reports - [*Banksola: Budget Planner*](https://marlvel.ai/apps/banksola-budget-planner) (Quickdollarapp, Inc) · 4.6/5 Rating - [*DEGIRO: Investing & Trading*](https://marlvel.ai/apps/degiro-investing-trading) (DEGIRO - Online Trading App) · 4.1/5 Rating - [*Digital Budget*](https://marlvel.ai/apps/digital-budget) (Bryant Foster) · 5.0/5 Rating | Excellent Sentiment - [*Equito App*](https://marlvel.ai/apps/equito-app) (Equito APP SL) · 2.5/5 Rating - [*Hourly: Freelance Tracker*](https://marlvel.ai/apps/hourly-freelance-tracker) (Albert Lewinski) · N/A Rating - [*SureShotFX - Pip Calculator*](https://marlvel.ai/apps/sureshotfx-pip-calculator) (SureShotFX) · 4.0/5 Rating | Positive Sentiment - [*Tikker - Live Income Tracker*](https://marlvel.ai/apps/tikker-live-income-tracker) (Mis Asja OU) · 5.0/5 Rating - [*TradeLog - Trading Journal*](https://marlvel.ai/apps/tradelog-trading-journal) (Rikuto Takeuchi) · N/A Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.7/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 50 - **Data Sources:** user reviews, developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 16 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/clear) Data licensed for AI Agent attribution under CC-BY-NC 4.0.