Kristal Faqs
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Accredited Investor

An Accredited Investor is an individual:

1. Whose net personal assets exceed in value SGD 2 million (or it's equivalent in a foreign currency) with value of his/her primary residence capped at SGD 1 million, or

2. Whose financial assets (net of any related liabilities) exceed in value SGD 1 million (or it's equivalent in a foreign currency), or

3. Whose income in the preceding 12 months is not less than SGD 300,000 (or it's equivalent in a foreign currency)

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Transaction Fees & other charges

Kristal.AI enables you to hold your investments in the following manner:

Kristal.AI Investment Account:

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Transaction Fees & other charges

Kristal.AI enables you to hold your investments in the following manner:

Kristal.AI Investment Account:

Managed account with Saxo Capital Markets:

DISCLAIMER

This is offered only to Accredited and Institutional Investors as defined under the Securities and Futures Act, Chapter 289 of Singapore (“Act”), which broadly comprises of regulated financial institutions, large corporates, high net worth individuals and sophisticated investors.

By clicking “Proceed”, you confirm that you are an Accredited/Institutional Investor as defined under the Act and you agree to the Terms of Use for this website.

EXIT PROCEED

Frequently Asked Questions

  • About Kristal.AI
  • Who can invest
  • Solutions
  • Fees
  • Account Opening
  • Funding/Withdrawal
  • Investment Advisory
  • Using the App
  • Security and Privacy
  • Terminology

Sort FAQs by category

  • About Kristal.AI
  • Who can invest
  • Solutions
  • Fees
  • Account Opening
  • Funding/Withdrawal
  • Investment Advisory
  • Using the App
  • Security and Privacy
  • Terminology

About Kristal.AI

About Kristal.AI

What is Kristal.AI? How does it work?

Kristal.AI offers its clients a digitally enhanced wealth management experience. We provide customers with a variety of Kristals from the global markets. Every strategy is carefully designed, evaluated and managed by professional and qualified money managers.

Kristal.AI uses a combination of Artificial Intelligence-powered algorithms and human skill in a cost-efficient, transparent and hassle-free manner. Every client portfolio is constructed and managed to deliver a customised holding which meets their specific financial goals and risk appetite.

Who are the founders of Kristal.AI?

Asheesh Chanda and Vineeth Narasimhan are the founders of Kristal.AI

Asheesh Chanda, CEO, is post-graduate from IIM Bangalore 2002 batch and a Computer Science Engineer from IIT Delhi 2000. He has more than 15 years experience in the financial industry inclusive of 8 years at JPMorgan and 2 years at a Singapore-based hedge fund which he started.

Asheesh is now a licensed Responsible Officer and founder of Kristal.AI asset management platform powered by O2O Technologies. While Asheesh spends a substantial part of his time in understanding and trading financial markets, he is also a Python programmer and a quasi-techie at heart. He holds several accomplishments from his academic years including All India Rank 51 in IIT Entrance (1996) and is also an Indian National Math Olympiad scholar as well as Indian Physics Olympiad scholar. For his Linkedin profile: Click here

Vineeth Narasimhan, CTO and Co-Founder, is a Computer Science Engineering graduate from IIT Delhi 2000 and a Gold Medallist from IIM Kolkata in 2003. He comes with 14 years+ experience in Product Management in Mobile, Cloud, Analytics.

A gold medallist from IIM-Calcutta, his previous work experience includes Maas360; where he helped build MaaS360 into a leading Enterprise Mobility Management solution which was acquired by IBM Security in 2013. Of the multiple offerings he helped build at MaaS360, three have been patented in the US. Vineeth’s experience defining and designing customer journeys comes in handy at Kristal.AI where he, along with his team, is responsible for building the tech backbone for seamless global investing. For his Linkedin profile: Click here

Who are the Promoters of Kristal.AI?

Promoters of Kristal.AI include Chiratae Ventures (formerly IDG Ventures) and Family Offices and Private Investors in Singapore.

Where is Kristal.AI regulated?

Kristal.AI Singapore is licensed by the Monetary Authority of Singapore (MAS) under the CMS (Capital Markets Services) license to carry out advisory and asset management activities. We graduated from the Sandbox with a full CMS license in August 2018. Due to certain MAS requirements we can onboard your existing Interactive Brokers account under our Managed Investment Account only if it was opened by you after August 2017. You could consider a new one through Saxo Capital Markets.

Kristal.AI Hong Kong is licensed to carry out Advisory and Asset Management activities in Hong Kong by the Securities and Futures Commission (SFC), which is the independent statutory body charged with regulating the securities and futures markets in Hong Kong.

Kristal.AI India holds a SEBI RIA (Registered Investment Advisor) license in India. We do not have PMS (Portfolio Management Service) license yet, but we are working towards seeking additional licenses.

Where are your offices located?

We have active operations in Singapore, Hong Kong and India. We have a representative office in Dubai at DIFC. Contact us for any further queries.

How long have you been in the Wealth Management business?

Kristal.AI was founded in January 2016.

We received our SFC license for operations in Hong Kong in November 2016, followed by the SEBI RIA for India in January 2017. Kristal Singapore was part of the Sandbox program from August 2017 – August 2018, having received its CMS license in August 2018. Kristal.AI has also incorporated a company in Dubai International Financial Center (DIFC) in August 2018.

How big is the company?

We have offices in 4 countries: Singapore, Hong Kong, Dubai, and India. As of November 2019, we are more than 70 people across the group.

What is the advantage of investing with Kristal.AI vs. investing on my own?

You can certainly invest on your own; however, when you invest with us you get Kristal offerings curated by our Investment Committee, which has more than 150+ years of combined experience across various asset classes. Instead of recommending a fixed selection of assets, we create a custom mix of strategies to suit your risk appetite. Our algorithm ensures that the probability of meeting your financial goals is maximized by optimizing portfolio allocation for volatility along with returns.

This mix of AI and human expertise is what sets us apart from most investtech startups.

How is Kristal.AI different from other robo-advisors?

Kristal.AI is your digital wealth bank, where you can invest your savings in global and diversified strategies. Our strategies are created using a combination of AI-powered asset curation and human expertise, to provide investors with a cost efficient, transparent, and hassle-free investing platform. The mix of AI and human empathy is what sets us apart from most investtech startups.

Unlike other pure-play platforms, we offer curated strategies that are a mix of asset types. Instead of recommending a fixed selection of funds, we create a custom mix of strategies to suit investor’s risk appetite. Our algorithm ensures that the probability of an investor meeting their financial goals is maximized by optimizing portfolio allocation for volatility, and not just returns alone.

We have a product suite available for investors with a wide variety of investment profile; from small sized ETFs to hedge funds or even startups, we have something for everyone. You can either choose Kristal strategies yourself or use our algorithm and advisory expertise to plan your investments.