Glider vs Maya Funds: Fees, Funds, and Structure Compared (Philippines)
Maya Funds offers 13 professionally managed funds inside the Maya app, with trust fees of 0.50–1.75% built into fund prices. Glider builds automated onchain portfolios with no annual fee and assets in your own wallet. Compared.
Maya Funds puts thirteen professionally managed funds inside the Maya digital bank, starting at ₱50 with zero transaction fees. Glider puts the assets themselves into an automated onchain portfolio: crypto, tokenized US stocks, and tokenized gold, rebalanced on a cadence the user chooses, held in the user's own wallet. One is a fund shelf inside a bank app; the other is a portfolio that manages itself. This comparison covers fees, structure, regulation, and who each one fits, verified against Maya's own pages in August 2026.
Glider vs Maya Funds at a glance
| Glider | Maya Funds | |
|---|---|---|
| Model | Automated onchain portfolios, non-custodial | Fund marketplace inside the Maya digital bank app |
| What the investor holds | The assets themselves: crypto, tokenized US stocks, tokenized gold | Units in 13 funds: ATRAM UITFs and BIMI mutual funds |
| Who manages the allocation | The portfolio's rules, executed automatically | Nobody; the user picks each fund individually |
| Rebalancing | Automatic, on a cadence the user chooses | Not offered across funds; each fund is managed internally |
| Transaction fees | 0.30% of automated trading volume; 0.50% of manual volume; gas and DEX aggregator fees covered | None; Maya charges no transaction fee |
| Ongoing fund fees | None; portfolios hold assets directly | 0.50% to 1.75% per year per fund, built into the fund's daily price |
| Minimum | None | ₱50 |
| Wrapper | Standalone web platform | Maya digital bank: savings, spending, borrowing, and funds in one app |
| Regulation | Onchain infrastructure; not a licensed fund manager | Maya and its fund partners regulated by the BSP and SEC |
Who should choose Glider, and who should choose Maya Funds?
| If the priority is... | The better fit is |
|---|---|
| Keeping savings, payments, and funds inside one regulated bank app | Maya Funds |
| Zero transaction fees and a ₱50 start in pesos | Maya Funds |
| Regulated Philippine fund managers (ATRAM, BPI's BIMI) | Maya Funds |
| A portfolio that rebalances itself instead of a menu of funds | Glider |
| Holding crypto, stocks, and gold in one allocation | Glider |
| Owning assets directly rather than fund units | Glider |
| No annual fee embedded in the investment's price | Glider |
What is Maya Funds?
Maya Funds is the investing feature of Maya, the Philippine digital bank and wallet. It offers thirteen local and global funds: unit investment trust funds managed by ATRAM Trust and mutual funds managed by BIMI, a wholly owned subsidiary of the Bank of the Philippine Islands, with the marketplace running on Seedbox rails. The minimum investment is ₱50, and Maya charges no transaction fees on fund buys or sells.
The fund managers charge an annual management or trust fee of 0.50% to 1.75% per year depending on the fund, built into the fund's daily net asset value per unit rather than billed separately. Maya and its partners operate under Bangko Sentral ng Pilipinas and Securities and Exchange Commission oversight, and the feature sits inside the same app that handles a user's savings account, payments, and credit.
What is Glider?
Glider builds automated portfolios onchain. A user picks a portfolio that can hold crypto assets, tokenized US stocks, and tokenized gold in a single allocation, and Glider executes it and keeps it balanced on a cadence the user chooses. The assets stay in the user's own wallet: Glider is non-custodial, so there is no platform balance exposed to platform failure. Portfolios can be copied from other users and adjusted.
Glider charges 0.30% of automated trading volume and 0.50% of manual trading volume, and covers gas and DEX aggregator fees. There is no annual fee, no minimum, and no fund expense ratio, because portfolios hold assets directly rather than through a fund. Glider is backed by a16z CSX, Coinbase Ventures, Uniswap Ventures, and Ondo. The service is available globally except in sanctioned countries, including Cuba, Iran, North Korea, Russia, and Syria. Tokenized stocks on Glider are available to non-US persons only.
How do the fees compare?
Maya's zero transaction fee is real and worth conceding plainly. The cost of Maya Funds is the annual fund fee, deducted inside the fund's price every day: 0.50% at the low end for money market funds, rising to 1.75% for the global and specialty funds. Glider's cost is the reverse shape: a fee when assets trade, nothing while they sit.
A worked example with real numbers
Consider ₱25,000 invested for twelve months. In a Maya fund at the top of the published fee range, 1.75%, the embedded annual fee comes to ₱437.50. In the money market fund at the bottom of the range, 0.50%, it is ₱125. On Glider, allocating ₱25,000 costs ₱75 at the 0.30% automated rate. If the portfolio rebalances quarterly and each rebalance trades 25% of the balance, that is four trades of ₱6,250 at ₱18.75 each, adding ₱75 for the year: ₱150 in total under those assumptions, with no fee in the years the portfolio simply holds.
The comparison is not only arithmetic. Maya's fee buys professional management of the fund's contents; Glider's fee buys execution of a fixed allocation. An investor paying 1.75% per year for a global feeder fund is paying for a fund manager to pick global stocks. An investor paying 0.30% per trade on Glider is holding the assets directly and paying for maintenance of the allocation.
What is the difference between fund units and owned assets?
A Maya Funds purchase buys units in a UITF or mutual fund: a claim on a pool managed by ATRAM or BIMI, priced once a day, holding whatever the fund's mandate allows. The global funds are feeder funds, which buy into another fund abroad that holds the actual stocks, with a fee layer at each step. The investor cannot see the full holdings in real time, cannot change what the fund holds, and earns the fund's return minus its fee.
A Glider portfolio holds the assets directly: the crypto, the tokenized stock, the tokenized gold, in the user's own wallet, at weights the portfolio specifies, rebalanced on a cadence the user chooses. There is no fund layer and no daily-price opacity; the assets and their weights are visible onchain at any time. Glider's guides to tokenized stocks and portfolio rebalancing explain the mechanics, and how to invest in US stocks from the Philippines covers the conventional routes. Readers comparing the other Philippine wallet option can also read Glider vs GCash's GFunds.
Where Maya Funds is genuinely better
The bank wrapper. Savings, payments, credit, and funds in one BSP-supervised app, funded in pesos from the same balance that pays the bills. Glider is a standalone platform and does not try to be a bank.
Access and regulation. A ₱50 minimum, zero transaction fees, and fund managers regulated by the SEC and BSP make Maya Funds the lower-friction first investment for most Filipinos, and this comparison will not pretend otherwise.
Where Glider is genuinely better
Direct ownership. No fund wrapper, no feeder structure, no embedded annual fee, and holdings visible onchain at any time rather than priced once a day.
Automation across asset classes. One Glider portfolio can hold crypto, tokenized US stocks, and tokenized gold and keep the allocation balanced automatically. Maya Funds offers no cross-fund rebalancing and none of these assets.
Long-run cost. Fees attach to activity, not to assets at rest; a portfolio that holds for years pays nothing more after its entry and maintenance trades.
How should an investor decide?
Three questions. First, the starting point: someone whose financial life already runs through Maya, starting with small peso amounts, starts with Maya Funds. Second, the structure: fund units mean outsourcing selection and maintenance to ATRAM or BIMI; a Glider portfolio means chosen assets held directly and balanced by rules. Third, the assets: peso and global funds point to Maya; crypto, tokenized US stocks, and tokenized gold point to Glider. Using both is coherent: Maya for the peso banking core, Glider for the onchain allocation.
Frequently asked questions
Does Maya charge fees for Maya Funds?
Maya charges no transaction fees on fund purchases or sales. The fund managers, ATRAM and BIMI, charge annual management or trust fees of 0.50% to 1.75% depending on the fund, deducted inside the fund's daily price. Glider charges 0.30% of automated trading volume and 0.50% of manual volume, with no annual or embedded fee.
Is Maya Funds regulated?
Yes. Maya states that it and its fund partners are regulated by the Bangko Sentral ng Pilipinas and the Securities and Exchange Commission, and the funds themselves are UITFs and mutual funds from ATRAM Trust and BPI's BIMI. Glider is non-custodial onchain infrastructure rather than a regulated fund: assets stay in the user's own wallet.
What is the minimum investment on each platform?
Maya Funds starts at ₱50 for its entry-level funds, with some global funds requiring ₱1,000. Glider has no minimum at all. At small balances, the practical difference is funding: Maya invests straight from the peso wallet, while Glider is funded onchain.
Can Filipinos own actual US stocks through these platforms?
On Maya Funds, no: the global funds are feeder funds that hold units of overseas funds, which in turn hold the stocks. On Glider, tokenized US stocks track real shares held with custodians and sit directly in the user's wallet. Tokenized stocks on Glider are available to non-US persons only.
Which is better for a first-time investor with ₱1,000?
Maya Funds is the easier first step: pesos already in the app, no transaction fee, regulated fund managers, and a ₱50 entry point. Glider suits the investor who specifically wants to hold crypto, tokenized stocks, and gold directly in a self-rebalancing portfolio. Access beats optimization at this amount.
Does Glider offer a bank account or peso savings like Maya?
No. Glider is an investment platform only, with dollar-denominated onchain portfolios of crypto, tokenized US stocks, and tokenized gold. Investors who want a digital bank with savings, payments, and credit alongside fund investing are describing Maya.
Can an investor use both?
Yes, and the combination is natural: Maya as the peso banking and savings hub with regulated local funds, Glider as the directly held, automatically rebalanced allocation across crypto, tokenized stocks, and gold. The holdings do not overlap.
The bottom line
Maya Funds is the stronger choice for the investor who wants everything in one regulated app: peso savings, payments, and a shelf of professionally managed funds from ₱50 with no transaction fees. Glider is the stronger choice for the investor who has outgrown the fund shelf: assets held directly in a personal wallet, across crypto, tokenized stocks, and gold, kept balanced automatically on a cadence the user chooses, with fees only when something trades. The bank app teaches the saving habit; the portfolio builds the allocation.
See how Glider works and start a portfolio with no minimum.
Fees and features verified against Maya's website and support pages, and Glider's published terms, as of August 2026. Fund fees and minimums change; check the Maya app before investing. Nothing in this article is investment advice.
