Pasiv Financial

What Pasiv Financial does

Pasiv Financial Ltd is a UAE-incorporated fintech operating from the Dubai International Financial Centre (DIFC) since its founding in 2019. The company operates under a DFSA Category 4 authorization (Arranging Deals in Investments) and serves retail and SMB investors seeking mobile-first access to global capital markets, with a stated user base of 'thousands of investors.'

The company's core product is a mobile investment application featuring a conversational AI interface (built on third-party models from OpenAI and Anthropic), an MCP server for agent-to-agent workflows, and a Cloud VPS capability that hosts autonomous 'Agent' accounts. Users access more than 9,000 US-listed stocks and ETFs via a brokerage integration with ChoiceTrade, alongside fractional shares, automated daily deposits, and a signature 'spare change' Roundup feature that directs accumulated micro-amounts into investments. The firm also maintains integrations with OpenFinance UAE and a network of over 50 asset managers, signaling a multi-product distribution ambition beyond US equities.

Pasiv Financial monetizes through a two-tier model: a free 'Basic' tier with a 1% fee on deposits and a paid 'Agent' tier at $19/month or $199/year that unlocks the autonomous-trading VPS and advanced AI features. The firm employs 1–10 people, has not disclosed external funding, and has executed a sequence of product launches (2024), strategic partnerships including a Ramadan charitable initiative with Founders Dubai Group (April 2025), and a relocation to the DIFC Innovation Hub (December 2025). Reported 2024 metrics indicate a 415% year-over-year increase in user investment activity, though this figure refers to invested amounts rather than recognized revenue.

Name

Pasiv Financial

Legal name

Pasiv Financial Ltd

Website

https://pasiv.ae

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Pasiv Financial is a DIFC-regulated fintech operating a mobile, AI-powered investment app for UAE retail and SMB investors, offering fractional US equities via ChoiceTrade, conversational AI agents, and spare-change investing under a freemium subscription model.

Ownership category

akta.pro rank

Product category

Retail Investment Platform

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Investment Management Advisory (RIA) (FSAEAAAB)

akta.pro secondary industry

Algorithmic Trading & Execution Platforms (FSAFANAN)

Keywords

• Retail investment platform
• Fractional share trading
• Spare change investing
• Ai wealth management
• Micro investing app

Headquarters

HQ city

Dubai

HQ country

United Arab Emirates

HQ region

Middle East

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Agent Account Subscription: Monthly subscription ($19/month or $199/year) for full trading capabilities, AI portfolio builder, and cloud-hosted VPS with agentic terminal services. For accounts with equity exceeding $25,000, fee converts to 0.85% annual of 12-month rolling average equity, charged monthly.
2. Basic Account Deposit Fee: Non-refundable 1% deposit fee on each deposit made to the brokerage account under the Basic (free) tier. This is the primary revenue from free-tier users.
3. ChoiceTrade Fee Sharing: ChoiceTrade shares fees earned from Basic and Agent account users with Pasiv, including deposit fees. ChoiceTrade may earn payment for order flow from execution providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Pasiv Financial operates a mobile-first, AI-powered investment platform that lets retail investors in the UAE and Middle East invest in fractional US stocks and ETFs through recurring daily deposits starting at $1 or spare change roundups. The platform includes a conversational AI wealth manager for trading, research, and portfolio monitoring, plus a premium Agent tier offering a cloud-hosted VPS for autonomous AI-driven trading. Trade execution, custody, and SIPC protection are provided through US broker-dealer partner ChoiceTrade.

Product overview

Pasiv Financial operates a mobile-first AI-powered investment platform that connects retail investors to US securities through brokerage partner ChoiceTrade. The platform offers two subscription tiers: a free Basic Account with 5 curated ETFs (SPY, GLD, HLAL, UAE, BITO) and limited AI features, and a premium Agent Account ($19/month) providing full access to 9,000+ stocks and ETFs, cloud-hosted VPS with autonomous trading capabilities, and advanced AI portfolio management. Core features include spare change roundup investing, automated daily deposits starting at $1, conversational AI wealth manager (powered by OpenAI and Anthropic), and dividend-focused passive income portfolios.

Differentiator

Problem solved

Functional benefit

Products and services

• Pasiv Platform Mobile-first digital investment platform that enables AI-powered automated investing in fractional US stocks and ETFs through ChoiceTrade, with features including spare change roundups, daily deposits from $1, a conversational AI wealth manager, and a premium Agent tier with autonomous AI trading capabilities. Designed for retail investors in the UAE and Middle East who want accessible, low-effort exposure to US securities.
• Roundup Investing (Spare Change Investing) Roundup investing feature linking user bank accounts via OpenFinance UAE to automatically round up daily purchases and invest the difference into Pasiv-managed portfolios. Targets UAE retail investors who want a hands-off way to build wealth from everyday spending.

Quantifiable outcome

• Users invested 415% more in 2024 compared to previous period

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability7 records

Feature6 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• Founders Dubai GroupminorGTM or Marketing Partner · 1 April 2025Partnership for charitable giving during Ramadan, enabling Pasiv users to make donations through the platform during the holy month.
• ChoiceTradecoreTechnology or IntegrationUS brokerage provider executing all trades and holding customer funds. ChoiceTrade is a FINRA/SIPC regulated broker-dealer providing custody, trade execution, and regulatory protection. Pasiv arranges deals through the platform; ChoiceTrade is counterparty to all trades. Clearing through Curvature Securities LLC and Velox Clearing LLC.
• OpenFinance UAEcoreTechnology or IntegrationIntegration enabling bank account linking for spare change investing. Allows Pasiv to access user's bank transaction data and calculate daily roundups for automatic investment.
• SIPC (Securities Investor Protection Corporation)coreOthersProvides deposit insurance protection up to $500,000 per account against insolvency or bankruptcy for all ChoiceTrade accounts holding US securities.
• DIFC Innovation HubcoreStrategic or Co-development PartnerPasiv relocated headquarters to the DIFC Innovation Hub, joining the region's leading fintech ecosystem in Dubai. Provides access to fintech community, regulatory support, and ecosystem benefits.
• Asset Managers (Vanguard, BlackRock, State Street, JPMorgan, Goldman Sachs, and 45+ others)coreTechnology or IntegrationPartnerships with 50+ global asset managers providing ETF access. Includes Vanguard, BlackRock, State Street, JPMorgan, Goldman Sachs, Invesco, Franklin, ARK, Allianz, KraneShares, Schwab, Grayscale, WisdomTree, BNY Mellon, Nuveen, Janus, DoubleLine, Natixis, Renaissance, Wahed, and others.
• OpenAIcoreTechnology or IntegrationThird-party AI service provider powering conversational AI features. Pasiv routes chat messages and portfolio context to OpenAI for generating AI responses. Server-level controls anonymize direct identifiers before routing.
• AnthropiccoreTechnology or IntegrationThird-party AI service provider powering Claude-based autonomous trading agents for Agent account VPS. Used for autonomous agentic investing capabilities including scheduled trading tasks.
• Stripe LLCcoreTechnology or IntegrationPayment processing provider for subscription fee collection. Processes credit/debit card payments for Agent account subscriptions with optional auto-renewal.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Stash: Subscription-based fractional-share investing platform aimed at beginners with automated investing and 'set-and-forget' portfolios; comparable business model and tiered subscription structure to Pasiv.
• Acorns: US pioneer of spare-change/roundup investing and recurring micro-deposits — the conceptual product template Pasiv has localized for the UAE market.
• Wahed Invest: Sharia-compliant digital investment platform with explicit UAE/GCC presence and curated ETF portfolios (HLAL is on Pasiv's shelf); competes for the same values-based/ESG-oriented UAE retail investor.
• Sarwa: UAE-headquartered DFSA-regulated digital wealth and investing platform offering zero-commission US trading, fractional shares, and robo-advisory portfolios — the closest direct regional competitor to Pasiv in the UAE retail-investing category.
• M1 Finance: US fractional-share investing platform with automated recurring contributions and AI-guided portfolio rebalancing — a close product analogue to Pasiv's automated daily-deposit and AI portfolio features.

Broad incumbents

• Interactive Brokers: Global, multi-asset broker-dealer with deep UAE presence and fractional-share trading via IBKR Lite; competes with Pasiv for the same self-directed UAE retail traders but operates at vastly greater scale and product breadth.
• eToro: Multi-asset social trading platform with regional marketing across the Middle East; competes with Pasiv on social/community features, zero-commission stock trading, and beginner UX.
• Robinhood: Mass-market zero-commission mobile broker with AI-driven features and fractional shares; defines the global UX benchmark Pasiv is measured against even though Pasiv cannot serve US customers.
• Trading 212: Commission-free multi-asset broker with a popular mobile app and recurring investing features; competes with Pasiv for self-directed retail investors across MENA-adjacent geographies.

Emerging players

• Wealthsimple: Canadian robo-advisor and self-directed investing platform with AI-augmented advice and tiered subscriptions — comparable subscription-freemium model to Pasiv, though operating in a different geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/pasiv-financial

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pasiv Financial