CDJ Social Stocks Ltd Account Types & How to Open

CDJ Social Stocks Ltd, which trades as Goliaths, is a Cyprus-registered investment firm authorised by CySEC under licence no 428/23. Our review of the public record shows a single CIF licence covering both retail and professional clients, and the firm describes itself as a mobile-first platform for stocks, ETFs, structured products and a copy-trading feature it calls Copy Invest. In FXCanary's assessment, the account structure is deliberately simple: there is no visible tiering into classic, silver or gold accounts, and the emphasis is on a single app-based relationship rather than a ladder of premium packages.

The official site lists a minimum order of €2, a minimum deposit of €10 and a minimum withdrawal of €1, which positions Goliaths at the accessible end of the market. The legal pages also confirm that the firm holds a MiFID II passport, allowing it to provide investment services across the EEA, and the French-language marketing material suggests a particular focus on French-speaking retail investors. We could not find any published information on a demo account, and the firm's own documents do not mention one; traders who want to test the platform before funding it should treat that absence as a gap in the disclosure.

Goliaths is presented as an all-in-one mobile application covering stocks, ETFs, structured products and Copy Invest, with access to more than 10,000 assets on US and European exchanges. The marketing pages claim over 70,000 downloads since launch, an average potential return of +24.22%, an 88% win rate and a 4.8/5 App Store rating. In our independent assessment, those figures are promotional claims, not audited performance data, and we would caution against treating them as a reliable indicator of future results.

The legal centre reveals that Goliaths uses Alpaca Securities LLC as its partner broker for US market access, which is a common arrangement for European firms seeking a US execution venue. The platform also integrates a social network of investors, educational courses and real-time news, and the copy-trading feature allows clients to replicate the strategies of 'experienced investors' from €500. For a trader who values convenience and a single app for multiple asset classes, this is a coherent offering; for a trader who needs deep charting, advanced order types or a desktop terminal, the mobile-first design may feel limiting.

The published fee schedule is transparent and relatively simple. Custody, account statements and account closure are free, and European stock trades are charged at €0.50 up to €50, €1.00 up to €500, and 0.25% above that. US stock trades carry the same tiered structure plus a 0.3% FX conversion fee, reflecting the currency conversion involved. Structured products carry an investment fee of €2 plus 1%, and deposits by bank transfer are free, while French card deposits are charged at €1 up to €249 and up to €30 for larger amounts; international cards and AMEX attract 2.9% plus €0.16.

In FXCanary's view, these fees are competitive for a retail platform, particularly the absence of custody charges and the low entry threshold. However, the 0.3% FX fee on US stocks will accumulate for frequent traders, and the structured product fee of 1% on top of €2 is not trivial for smaller allocations. The firm does not publish a separate spread or commission schedule for leveraged products, and we found no explicit disclosure of margin rates; traders who intend to use leverage should seek clarity on those costs before committing capital.

The Goliaths site mentions that leveraged trading is available, but it does not publish a maximum leverage figure in the documents we reviewed. Under CySEC rules, retail clients are capped at 30:1 for major forex pairs, 20:1 for non-major pairs, and lower limits for indices, commodities and crypto, so any leverage offered to retail clients in the EEA must respect those boundaries. Professional clients, by contrast, can access higher leverage, but they must meet the qualifying criteria and explicitly request professional status.

For a retail trader, the practical implication is that leverage is likely to be within the ESMA framework, but the absence of a published figure is a disclosure gap. We would advise any trader considering leveraged products to confirm the exact leverage available on the specific instrument, the margin requirements, and the potential for losses exceeding the initial deposit. The firm's own risk warnings acknowledge that investing involves a risk of partial or total loss of capital, and that leveraged instruments amplify both gains and losses.

The account opening process at Goliaths appears to be fully digital, consistent with its mobile-first positioning. The privacy policy lists the personal and financial information collected, including name, date of birth, nationality, address, identity documents, FATCA/CRS information, bank details, occupation and PEP status. Verification documents include passports, utility bills and bank statements, and the firm states it may consult public sources and risk databases such as World Check.

This is a standard KYC/AML process for a regulated Cypriot investment firm, and it reflects the obligations under MiFID II and the EU's anti-money-laundering framework. We did not find any published timeline for account approval, nor details on whether the process is fully automated or involves manual review. In practice, traders should expect to provide the documents listed and allow for a short verification period; the minimum deposit of €10 means the financial barrier to starting is low, but the KYC burden is real and should not be underestimated.

CDJ Social Stocks Ltd is authorised by CySEC as a Cyprus Investment Firm under licence no 428/23, and the licence is listed as Authorised in our records. The firm is incorporated in Cyprus with registered office at 11 Rodou Str, Atlantis Building 5, Flat 501, 1086 Nicosia, and it holds a MiFID II passport that allows it to operate across the EEA. This is a genuine regulatory status, verifiable on the CySEC register, and it brings with it obligations on capital adequacy, conduct of business and client money protection.

As a Cypriot CIF, the firm is covered by the Investor Compensation Fund, which provides up to €20,000 per eligible client in the event of the firm's failure. However, this protection does not cover investment losses, and it applies only to clients of the Cyprus entity. We also note that the firm's Pillar III disclosures for 2025 are published, which is a positive sign of transparency, but the risk flag in our records — 'No verifiable website or social-media presence' — is curious given the active site; we suspect this flag reflects the difficulty of verifying the firm's ownership and operational history, as the founding date is not on file.

In FXCanary's assessment, Goliaths is best suited to retail investors who want a simple, mobile-first way to invest in European and US stocks, ETFs and structured products, and who are comfortable with a copy-trading model. The low minimum deposit of €10 and the €2 minimum order make it accessible to beginners, and the free custody and account management keep ongoing costs low. The integration with Alpaca for US markets is a practical solution, and the MiFID II passport provides a clear regulatory framework.

The platform is less suitable for active day traders who need advanced charting, complex order types, or a desktop trading terminal, and for those who require transparent disclosure of leverage and spreads. The absence of a published demo account and the lack of detail on margin rates are notable gaps. We would also caution that the promotional performance figures on the website are not independently verified, and that the firm's short operating history — the licence dates from 2023 — means there is limited track record to assess.

Overall, Goliaths presents a credible, regulated account offering with a clear fee structure and a low entry barrier, which is a positive combination for a newer entrant. The CySEC licence and MiFID II passport provide a solid regulatory foundation, and the use of Alpaca for US execution is a sensible partnership. The main weaknesses are the lack of published leverage and spread details, the absence of a demo account, and the promotional nature of the marketing claims.

For a cautious trader, the key steps are to verify the licence on the CySEC register, read the Pillar III disclosures and the risk warnings, and contact support to clarify any missing details on leverage and execution costs. The firm's own documentation is more thorough than many of its peers, which is reassuring, but the onus remains on the investor to understand the products and the risks. We would rate the account offering as 'Guarded' — acceptable for informed retail investors, but not without caveats.