Kristal.AI
Kristal.AI is an AI-powered digital wealth management platform regulated in Singapore, Hong Kong, India, and Abu Dhabi, serving affluent investors with $500K-$5M in investable assets and institutional clients through curated investment products and its proprietary JARVIS AI assistant.
- Company typePrivate
- Founded2015
- HeadquartersSingapore, Singapore
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Kristal.AI does
Kristal.AI is a Singapore-headquartered digital wealth management platform founded in 2015 that targets affluent investors with USD 500,000 to USD 5 million in investable assets, alongside institutional clients such as banks and wealth managers. The company is regulated across four jurisdictions — MAS in Singapore (CMS license), SFC in Hong Kong (Type 4 and 9 activities), SEBI in India (Registered Investment Advisor), and ADGM FSRA in Abu Dhabi — giving it one of the broader cross-border wealth licenses held by an Asian-headquartered digital wealth manager. Its customer base spans 50,000+ users across 25+ countries, supported by 400+ B2B partnerships and approximately USD 2 billion in assets under management and advisory as of mid-2025.
The platform is structured around a core AI-enabled wealth management engine augmented by a proprietary in-house AI assistant called JARVIS, which equips relationship managers with KYC retrieval, portfolio summarization, and product suitability Q&A. The product suite spans listed and unlisted markets, structured products, ETFs, private assets, pre-IPO deals, ESOP liquidity, and a B2B wealth-tech Platform-as-a-Service (Kristal PaaS) for institutional distribution. Underlying distribution combines a self-serve digital onboarding flow with a dedicated Relationship Management team for high-net-worth clients and a financial guide network in India.
Kristal generates revenue primarily through advisory and management fees on AUM, supplemented by platform and distribution fees from product facilitation and B2B PaaS subscriptions. The company has raised over USD 27 million cumulatively across seed through pre-Series B rounds (Stride Ventures, Chiratae Ventures, Desai Family Office) and announced a USD 25-30 million Series B in June 2025 targeting growth-stage VCs, PE firms, and family offices. As of June 2025, the company reported 60% YoY revenue growth, EBITDA breakeven, and an ambition to reach USD 100-125M in annual revenue ahead of a potential IPO within four to five years.
Kristal.AI firmographics
Firmographics- Name
- Kristal.AI
- Legal name
- Kristal Advisors (SG) Pte. Ltd.
- Website
- https://kristal.ai
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Kristal.AI is an AI-powered digital wealth management platform regulated in Singapore, Hong Kong, India, and Abu Dhabi, serving affluent investors with $500K-$5M in investable assets and institutional clients through curated investment products and its proprietary JARVIS AI assistant.
- Ownership category
- akta.pro rank
Kristal.AI industry classification
Industry- Product category
- Digital Wealth Management
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Digital/Hybrid RIAs (Robo-Enabled, Tech-Forward) (FSAAACAJ)
- akta.pro secondary industries
- Alternatives & Multi-Asset Digital Wealth Platforms (PE/VC/Real Assets access) (FSAGAEAL), Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH)
Keywords
Where Kristal.AI is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices4 records
Markets served
Kristal.AI business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Advisory and Management Fees: Kristal.AI generates revenue through advisory fees and management charges on assets under management and advisory. The platform offers curated investment products including structured products, listed products, private assets, and institutional funds, charging fees across these product lines.
- Platform and Distribution Fees: Revenue derived from facilitating access to investment products including pre-IPO deals, private markets, ETFs, and structured products. Kristal also offers a Weath-tech Platform (Kristal PaaS) to institutional clients, enabling them to serve their clients, generating platform/solution fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Retail Investor (India) - Access to curated ETF and ETF baskets with automated rebalancing, email and WhatsApp support |
| Subscription | Annual | Private Wealth - Tailor-made multi-asset portfolio, advisory across multiple Private Banking accounts, trade ideas, dedicated Relationship Management Team |
| Subscription | Annual | Institutional Clients (Wealth-tech Platform / Kristal PaaS) - Enabling banks and wealth managers to serve their clients better |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Kristal.AI product offering
Product offeringCore offering
Kristal.AI is an AI-powered digital wealth management platform that provides affluent investors with access to curated investment products across listed and unlisted markets, including private markets, pre-IPO deals, structured products, ETFs, and institutional funds. The platform combines a proprietary AI assistant (JARVIS) with human relationship managers to deliver personalized multi-asset portfolios, and offers a separate wealth-tech platform (Kristal PaaS) for institutional clients such as banks and wealth managers.
Product overview
Kristal.AI is an AI-powered digital wealth management platform operating on a platform-plus-modules architecture. The core Kristal.AI Platform serves as the central hub providing access to listed and unlisted markets, financial planning, and family office solutions. Supporting modules include JARVIS (proprietary AI assistant for relationship managers), Kristal Private Markets (pre-IPO and private equity access), Kristal PaaS (institutional wealth-tech solution), Kristal Liquidity, Private Wealth Services, and Investment Products (structured products, ETFs, institutional funds). The company also acquired Globalise to expand US stock and ETF access. The platform targets affluent investors with $500,000 to $5 million in investable assets in high-cost global cities.
Differentiator
Problem solved
Functional benefit
Brands
- JARVIS: Proprietary AI assistant designed to empower relationship managers with speed, precision, and intelligence. Built in-house by Kristal.
Products and services
- Kristal.AI Platform
- Private Wealth Services
- Investment Products
- Kristal Private Markets
- Kristal PaaS (Platform as a Service)
- Kristal Liquidity
- ESOP Liquidity
- Globalise
Quantifiable outcome
- 50,000+ users across geographies with $1.5B+ AUM
- +2 more outcomes
Companies that use Kristal.AI
Customer profileSegments3 records
Ideal customer profiles3 records
Kristal.AI technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature2 records
Kristal.AI partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- GlobalisecoreKristal.AI acquired Globalise, a global investment platform providing access to US stocks and ETFs. The acquisition was intended to expand Kristal's retail offerings in India, adding US stock and ETF access to its product suite.
- BlackRockminorBlackRock is featured as an investment product option within Kristal's platform, available to investors as part of curated investment offerings including structured products and institutional funds.
- RubrikminorRubrik is referenced as one of the investment product options available on Kristal's platform as part of promotional offerings (free units offered for investing a minimum amount in selected assets).
- Blok (Blok Finance)minorBlok is referenced as an investment product option available on Kristal's platform as part of promotional offerings for new investors.
- 400+ B2B PartnerscoreKristal.AI has established 400+ B2B partnerships across geographies as part of its institutional client strategy, enabling banks and wealth managers to leverage its wealth-tech platform and product distribution capabilities.
Scale indicators9 records
Recent moves8 records
Expansion highlights6 records
Kristal.AI competitors and assessment
Company assessmentDirect peers
- StashAway: Singapore-headquartered digital wealth manager offering algorithmically managed portfolios to mass-affluent and HENRI clients across Asia. Closely comparable on geography, target customer (affluent expat/Asian investors), and digital-only wealth management model.
- Endowus: Singapore-based wealth platform providing institutional-grade fund access to individual investors via a B2C and B2B model. Comparable in targeting Asian affluent/HENRI clients, regulated offerings, and emphasis on institutional products with transparent fees.
- Syfe: Asia-headquartered digital wealth manager operating across Singapore and Hong Kong with managed portfolios and brokerage. Comparable geographic footprint, similar regulatory positioning, and overlapping affluent retail/HNRI customer base.
- Sarwa: UAE-based digital wealth management platform licensed by ADGM offering automated investing and advisory to MENA investors. Directly comparable on ADGM licensing, regional expansion overlap, and affluent digital-wealth value proposition.
- Wahed Invest: Global digital wealth manager operating across MENA, Southeast Asia, and other markets with Shariah-compliant and conventional portfolios. Comparable in cross-jurisdictional digital wealth management and affluent investor targeting.
- iCapital Network: US-headquartered platform democratizing access to private market and alternative investments for wealth managers and their HENRI/UHNW clients. Comparable on private-markets access (pre-IPO, PE) and B2B distribution model to advisors.
- Wealthfront: US-headquartered digital wealth manager offering automated portfolios, financial planning, and cash management. Comparable on AI-led digital advisory, hybrid self-serve/model portfolios, and affluent retail targeting.
- Betterment: US digital wealth pioneer offering automated portfolio management and advisor-led tiers to mass-affluent and HENRI clients. Comparable on tiered digital advisory subscriptions, goal-based planning, and broad retail wealth distribution.
Emerging players
- Bambu: Singapore-based wealth-tech provider offering white-label robo-advisory and digital wealth infrastructure to banks and wealth managers globally. Directly comparable on the Kristal PaaS B2B wealth-tech platform angle.
Broad incumbents
- Addepar: US-based wealth-management technology platform serving large RIAs, family offices, and private banks. Comparable on technology stack for wealth managers and on institutional/PaaS revenue model, though serving a more UHNW skew.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Kristal.AI social profiles
Digital presenceKristal.AI compliance and trust
Trust signalCompliance4 records
Kristal.AI financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kristal.AI leadership team
Management profileNumber of profiles
Profiles3 records
Kristal.AI subsidiaries and ownership
Company hierarchySubsidiaries1 record
Kristal.AI funding detail
Funding detailFunding overview
Funding rounds5 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kristal.AI M&A and investment
M&A and investmentM&A1 record
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kristal.AI
What does Kristal.AI do?
Kristal.AI is an AI-powered digital wealth management platform that provides affluent investors with access to curated investment products across listed and unlisted markets, including private markets, pre-IPO deals, structured products, ETFs, and institutional funds. The platform combines a proprietary AI assistant (JARVIS) with human relationship managers to deliver personalized multi-asset portfolios, and offers a separate wealth-tech platform (Kristal PaaS) for institutional clients such as banks and wealth managers.
Is Kristal.AI a public or private company?
Kristal.AI is a private company. It is classified as venture growth investor backed and is currently operating.
When was Kristal.AI founded?
Kristal.AI was founded in 2015. It employs 101 to 250 people.
Where is Kristal.AI based?
Kristal.AI is headquartered in Singapore, Singapore, in the Asia region.
How does Kristal.AI make money?
Two revenue lines are on record. Advisory and Management Fees are the primary driver. The others are platform and Distribution Fees.
Who are Kristal.AI's main competitors?
Direct peers on record are StashAway, Endowus, Syfe, Sarwa, Wahed Invest, iCapital Network, Wealthfront and Betterment. Bambu is listed as an emerging player. Addepar is listed as a broad incumbent.
Does Kristal.AI have an API?
No public API is recorded for Kristal.AI.
What industry is Kristal.AI in?
Kristal.AI's product category is Digital Wealth Management. Its primary akta.pro industry code is FSAAACAJ, Digital/Hybrid RIAs (Robo-Enabled, Tech-Forward), with a secondary code of FSAGAEAL, Alternatives & Multi-Asset Digital Wealth Platforms (PE/VC/Real Assets access). Its NAICS code is 523940 and its SIC code is 6282.