Name: Kristal.AI
Brand: KRISTAL.AI
Availability: InStock
Rating: 4.1 (1 reviews)

Overview

Kristal.AI is a digital private wealth platform that charges zero management fees on the first US$10,000, making institutional-grade investments available to mass affluent investors. The platform pairs AI-powered portfolio optimisation through its proprietary KAIRO algorithm with experienced human advisors backed by 150+ years of combined investment experience. Over 1,000 curated products span ETFs, mutual funds, private equity, venture capital, and pre-IPO deals. Licensed in four jurisdictions (Singapore, Hong Kong, India, Abu Dhabi), Kristal.AI operates from 6 Raffles Quay in Singapore with WhatsApp support at +65 9239 1022.

Pros

↑Zero management fees on first US$10,000 for all investors
↑Access to private markets including PE, VC, and pre-IPO deals
↑Hybrid model combining KAIRO AI algorithm with dedicated human advisors

Cons

↓No CPF or SRS investment options available
↓Portfolio prices update with one-day delay, not real-time
↓Additional FX and withdrawal fees for non-SGD/HKD currencies

Key Highlights

Welcome Offer
Zero platform fee first 90 days
No platform fees for the first 90 days
Full access to all investment products
No minimum investment to start
AI-powered portfolio recommendations
Cancel anytime with no exit fees

Trading Costs
0.3% above US$10k
Freedom tier: nil management fee up to US$10,000
Freedom tier: 0.3% p.a. on amounts above US$10,000
SGP Resident advisory fee: 0.54% p.a. (incl. GST)
Safe keeping fee: 0.162% p.a. (incl. GST) for SGP residents
Non-SGP Resident advisory fee: 0.50% p.a.
Global Funds Account: 0.4% p.a. management fee
ETF brokerage: US$1 per trade

Assets & Markets
1,000+ premium products
Curated ETFs from global exchanges
Mutual funds from top fund houses
Private equity and venture capital funds
Hedge funds and alternative investments
Pre-IPO deals and private credit
Structured products and real estate funds

Why Choose?
AI plus human advisory
KAIRO proprietary algorithm for portfolio optimisation
Investment committee with 150+ years combined experience
Dedicated relationship managers for Private Wealth clients
24/7 customer support via phone, email, and chat
Goal-based financial planning approach

Regulation & Safety
MAS CMS licensed
MAS Capital Markets Services License in Singapore
SFC Type 4 and Type 9 license in Hong Kong
SEBI Registered Investment Advisor in India
ADGM regulated in Abu Dhabi
Client assets segregated at Saxo Capital Markets
UEN: 201711235E

Account Minimum
$0 minimum deposit
No minimum investment required to start
US$5,000 recommended for optimal diversification
Private Wealth: accredited investor status required
Fund via PayNow or FAST transfer in SGD

Key Benefits

Trading Costs

★4.7

▼

Zero management fees up to US$10,000 portfolio value (Freedom tier)
0.3% p.a. on incremental value above US$10,000 (Freedom tier)
SGP Resident advisory fee: 0.54% p.a. inclusive of GST
Safe keeping fee: 0.162% p.a. inclusive of GST for SGP residents
ETF brokerage: US$1 per trade via Saxo broker
FX conversion 0.2% on SGD to USD deposits
Zero fees on SGD and HKD withdrawals
Global Funds Account: 0.4% p.a. management fee

Platform And Tools

★4.2

▼

Web and mobile platform with clean interface
KAIRO proprietary AI algorithm for optimisation
Jarvis AI assistant for relationship managers
Portfolio customisation and self-service investing
One-click rebalancing functionality
Goal-based investment planning tools
Transparent performance tracking and reporting

Research And Analysis

★4.4

▼

Investment committee curates all products
150+ years combined investment experience on committee
Access to institutional-grade fund research
Thematic investment insights (tech, biotech, ESG)
Private markets deal flow analysis
Economic and market trend reports
Weekly updates on market movements

Mobile Trading

★4.0

▼

iOS and Android mobile apps available
Portfolio monitoring on the go
Investment execution via mobile
Push notifications for updates
One-day delay on price updates noted by users
Consistent experience across devices
Digital onboarding in 15 minutes

Account Features

★4.3

▼

Kristal Freedom for all investors (digital only)
Kristal Private Wealth for accredited investors (hybrid advisory)
No minimum investment requirement
Multi-currency accounts (USD, SGD, HKD)
PayNow and FAST transfer funding
No CPF or SRS investment options
Fractional access to premium products

Security And Trust

★4.5

▼

MAS CMS licensed in Singapore
SFC regulated in Hong Kong (Type 4 and 9)
SEBI registered in India
ADGM regulated in Abu Dhabi
Client assets held at Saxo Capital Markets
Regular regulatory compliance audits
Transparent fee structure and reporting
Established in 2016 by IIT Delhi and IIM alumni

Customer Support

★4.6

▼

24/7 customer support availability
Phone, email, and live chat channels
WhatsApp support at +65 9239 1022
Dedicated relationship managers for Private Wealth
Professional and responsive support team
English and Chinese language support
Singapore local presence at 6 Raffles Quay

Educational Resources

★3.8

▼

Goal-based financial planning guidance
Investment product factsheets provided
Market insights and trend reports
Access to advisor consultations
Private markets education materials
Limited structured courses or webinars
Focus on personalised advisory over self-learning

VIP Program

1Kristal Freedom

▼

Volume A U M	No minimum investment required Open to all retail investors Recommended US$5,000 for diversification
Fee Waivers	Zero fees on first US$10,000 0.3% p.a. on incremental value above US$10,000 Zero advisory fees on ETF investments
Exclusive Tools	KAIRO algorithm portfolio optimisation Self-service investment platform Curated ETF and thematic portfolio selection One-click rebalancing Access to automated portfolios
Other Perks	24/7 customer support Digital onboarding in 15 minutes Access to thematic portfolios No account maintenance fees Access to private markets, PE/VC, mutual funds, structured products

2Kristal Private Wealth

▼

Volume A U M	Accredited investor status required For high-net-worth individuals Hybrid digital and human advisory
Fee Waivers	Full pricing details available on sign-up Zero fees on mutual funds and hedge funds Custom pricing for discretionary mandates
Exclusive Tools	Access to private equity and VC funds Pre-IPO deals and private credit Custom portfolio construction Hedge funds and structured products Institutional funds access Dedicated advisory services
Other Perks	Dedicated relationship manager Direct access to fund managers Private markets deal flow Co-investment opportunities Priority customer support All Freedom tier products included

Available Tools

Trading Tools

▼

Paper Trading	×
Margin Trading	×
Zero Commission	✓
Fractional Shares	✓
After Hours Trading	×

Automation

▼

Dca	×
Algo Trading	×
Grid Trading	×
Trading Bots	×
Robo Advisory	✓
Sentiment Analysis	×
Social Copy Trading	×
Ai Trading Assistant	✓

Advanced Tools

▼

Api Access	×
Basket Trading	×
Options Strategies	✓
Smart Order Routing	×
Backtesting Capabilities	×

Portfolio Tools

▼

Tax Harvesting	×
Islamic Account	×
Auto Rebalancing	✓
Dividend Tracker	×
Economic Calendar	×

Detailed Information

Commission Tiers	Freedom: nil up to US$10k, 0.3% p.a. above Private Wealth: full details on sign-up SGP Resident advisory: 0.54% p.a. (incl. GST) Non-SGP Resident advisory: 0.50% p.a. No volume-based tier discounts
Trading Fees	ETF trades: US$1 per trade via Saxo broker (USD transactions) Global Funds Account: 0.4% p.a. management fee Global Mutual Funds: starting at 0.X%, refer to factsheet Discretionary mandates: custom pricing
Stock Etf Commission	Included in management fee or US$1 per trade
Options Commission	Private Wealth only, contact advisor
Futures Commission	Private Wealth only, contact advisor
Financing Rates	Not applicable for cash-based investing
Margin Interest Rate	Not available
Overnight Fees	Not applicable
Non Trading Fees	Safe keeping fee: 0.162% p.a. (incl. GST) for SGP residents Safe keeping fee: 0.150% p.a. for non-SGP residents FX conversion: 0.2% on SGD to USD Fund movement fees for USD, AUD, EUR, GBP withdrawals Zero fees on SGD and HKD movements No account opening or maintenance fees No inactivity fees No fees on idle cash
Deposit Fee	S$0 for SGD and HKD deposits Small fee for USD, AUD, EUR, GBP
Withdrawal Fee	S$0 for SGD and HKD withdrawals Fees apply for USD, AUD, EUR, GBP
Currency Conversion Fee	0.2% on SGD to USD conversion
Data Feed Fees	Free portfolio data One-day delay on price updates
Order Modification Fee	S$0
Vip Fee Tiers	Freedom: 0.3% p.a. above US$10k Private Wealth: custom pricing on sign-up Zero fees on mutual funds for accredited investors

Minimum Spreads	Not applicable for managed portfolios
Maximum Leverage	No leverage available Cash-only investing
Margin Call Level	Not applicable
Stop Out Level	Not applicable
Negative Balance Protection	Yes, cash-only investing prevents negative balances
Settlement Period	Varies by underlying product ETFs typically T+2
Order Execution Quality	Executed via Saxo Capital Markets Best execution policy Self-service and advisor-assisted options

Stocks Count	0
Etfs Count	500
Crypto Count	0
Forex Pairs Count	0
Product Universe Overview	Over 1,000 curated investment products ETFs across global markets Mutual funds from top fund houses Private equity and venture capital Hedge funds and alternatives Pre-IPO deals and private credit Structured products Institutional funds (Private Wealth only)
Geographic Market Coverage	Global product selection US and European ETFs Asian fund exposure Emerging markets access Private markets worldwide
Major Markets Details	S&P 500 and US equity exposure European equity and bond funds Asian growth opportunities Multi-asset global portfolios
Emerging Markets Details	Thematic emerging market exposure Private equity in growth markets Venture capital across Asia Pre-IPO deals in high-growth regions
Base Currencies Supported	USD (primary account currency) SGD (funding option) HKD (funding option)

Trading Platforms Overview	Web-based platform primary interface iOS and Android mobile apps KAIRO proprietary AI algorithm Jarvis AI assistant for advisors 15-minute digital onboarding
Desktop Platform	Browser-based web platform Portfolio dashboard and analytics Investment product marketplace One-click rebalancing Performance tracking and reporting
Mobile App	Native iOS and Android apps Full portfolio access Investment execution capability Notifications and alerts Price updates with one-day delay Cross-device sync
Web Platform	No download required Responsive design Full feature parity with mobile Secure HTTPS connection Self-service investing interface
Trading Tools And Features	KAIRO algorithm optimisation Goal-based portfolio construction Thematic portfolio selection Risk-aligned investment strategies Automated rebalancing Customisation capabilities
Charting And Technical Analysis	Portfolio performance charts Asset allocation visualisation Not applicable for active trading
Risk Management Tools	Risk profiling questionnaire Portfolio risk monitoring Diversification metrics Hedging via options (Private Wealth) Asset allocation guidelines
Order Types Available	Investment orders via platform Redemption requests Rebalancing instructions Not applicable for direct trading
Integrations And Api Access	No public API available Saxo Capital Markets integration for execution No third-party platform connections
Third Party Platforms	Saxo Capital Markets for custody and execution
Api Rate Limits	Not applicable
Algo Trading Support	Proprietary KAIRO algorithm only No custom algo development

Customer Support Overview	24/7 customer support availability Phone, email, and live chat WhatsApp support at +65 9239 1022 Professional and responsive team
Phone Support Hours	24 hours, 7 days per week
Live Chat Availability	24/7 via platform and WhatsApp
Email Response Time	[email protected] Typically within 24 hours Faster for urgent inquiries
Languages Supported	English, Chinese
Local Office Presence	Singapore: 6 Raffles Quay Hong Kong office India operations Abu Dhabi (ADGM) presence
Account Manager	Yes for Private Wealth clients Dedicated relationship managers Direct access to fund managers
Educational Resources Overview	Goal-based planning guidance Product factsheets and documentation Market insights and weekly reports Private markets education Advisor consultations available
Beginner Resources	Getting started guides Investment basics materials Risk profiling explanations Can start with small amounts
Webinars And Tutorials	Limited public webinars Private sessions for clients Focus on personalised advisory
Market Analysis And Research	Investment committee insights Thematic research reports Private markets deal analysis Weekly market movement updates
Demo Account Details	No demo account Can start with small amounts Advisor consultations available before funding
Trading Courses	No structured courses Personalised financial planning One-on-one advisory sessions
Tax Reporting Help	Portfolio statements provided Tax documentation support Consult tax advisor for filing

Regulation Overview	MAS CMS licensed in Singapore SFC regulated in Hong Kong (Type 4 and 9) SEBI registered in India ADGM regulated in Abu Dhabi Multi-jurisdictional compliance framework
Primary Regulator	Monetary Authority of Singapore (MAS)
License Number	Capital Markets Services License (MAS) UEN: 201711235E SFC Type 4 and 9 (Hong Kong) SEBI RIA (India) ADGM FSP (Abu Dhabi)
Investor Protection Scheme	Client assets segregated at custodian Held at Saxo Capital Markets MAS-approved liquidator framework Regular compliance monitoring
Security Features	Secure login and authentication Data encryption standards Privacy policy compliance Regular security audits Client information protection HTTPS secure connections Kristal Security Centre for disclosures

Commission Tiers

Freedom: nil up to US$10k, 0.3% p.a. above
Private Wealth: full details on sign-up
SGP Resident advisory: 0.54% p.a. (incl. GST)
Non-SGP Resident advisory: 0.50% p.a.
No volume-based tier discounts

Trading Fees

ETF trades: US$1 per trade via Saxo broker (USD transactions)
Global Funds Account: 0.4% p.a. management fee
Global Mutual Funds: starting at 0.X%, refer to factsheet
Discretionary mandates: custom pricing

Stock Etf Commission

Included in management fee or US$1 per trade

Options Commission

Private Wealth only, contact advisor

Futures Commission

Private Wealth only, contact advisor

Financing Rates

Not applicable for cash-based investing

Margin Interest Rate

Not available

Overnight Fees

Not applicable

Non Trading Fees

Safe keeping fee: 0.162% p.a. (incl. GST) for SGP residents
Safe keeping fee: 0.150% p.a. for non-SGP residents
FX conversion: 0.2% on SGD to USD
Fund movement fees for USD, AUD, EUR, GBP withdrawals
Zero fees on SGD and HKD movements
No account opening or maintenance fees
No inactivity fees
No fees on idle cash

Deposit Fee

S$0 for SGD and HKD deposits
Small fee for USD, AUD, EUR, GBP

Withdrawal Fee

S$0 for SGD and HKD withdrawals
Fees apply for USD, AUD, EUR, GBP

Currency Conversion Fee

0.2% on SGD to USD conversion

Data Feed Fees

Free portfolio data
One-day delay on price updates

Order Modification Fee

S$0

Vip Fee Tiers

Freedom: 0.3% p.a. above US$10k
Private Wealth: custom pricing on sign-up
Zero fees on mutual funds for accredited investors

Kristal.AI

Overview

Pros

Cons

Key Highlights

Key Benefits

VIP Program

Available Tools

Detailed Information

Related Products

Pros

Cons