.png)
KRISTALKristal brings together curated investment access, advisory, and intelligence-led technology built on regulated foundations for investors and the institutions that serve them.
Kristal began when our team saw the same pattern repeatedly: the best advice, service, and opportunities were available but largely distributed through private networks. If you weren’t already inside the system, you were expected to accept a simpler version of wealth management.
The old world
Private banking delivered a premium experience if you qualified, and if you were invited in. The advice was good. The access was real. But the entry conditions were designed to keep most investors out, and both sides of the market knew it.
The gap
Most investors weren’t missing ambition. They were missing access, transparency, and a clear way to make decisions confidently. And on the other side, smaller wealth managers couldn’t give their clients institutional-grade service the infrastructure simply didn’t exist for them.
The friction
Discovery lived in one place, research in another, execution somewhere else and the “why” behind recommendations was rarely visible. The experience was fragmented, opaque, and built for a world where complexity justified high fees.
The idea
We believed private banking could be rebuilt digitally: curated access, high-quality advice, and a clean experience without lowering the standards. Not a robo-advisor. Not a trading app. Something with the discipline of private banking and the clarity of modern technology.
The build
So we built Kristal as a digital private bank: a premium investing journey designed for clarity, control, and consistency. Singapore was the foundation one of the world’s most demanding regulatory environments and we treated MAS regulation not as a constraint but as a standard to build toward.
The intelligence layer
As the investment universe expanded, the real challenge became decision quality at scale. That’s where AI became essential not to replace advisors, but to make every advisor significantly better. JARVIS and PAL were built to strengthen research, personalisation, and advisory support without removing the human relationship.
The second horizon
Institutions faced the same problem from the other side: serving clients with consistency, governance, and speed. The platform naturally evolved into wealth-tech infrastructure. Banks, wealth managers, and family offices across 50+ countries now use Kristal as the regulated backbone of their client offering.
Today
Kristal now serves investors and institutions through one ecosystem: curated access, accountable advice, and intelligence-led technology built on regulated foundations across Singapore, Hong Kong, India, and Abu Dhabi. $1.5B under management. 3,500+ accredited investors. 440+ institutional partners. We didn’t set out to build another investing app. We set out to deliver the parts of private banking that actually matter and remove the parts that never did.
Not funding rounds. Not user milestones. Every entry on this timeline is a licence earned and a market opened.
A Decade of Impact
Celebrating 10 years with a physical presence in 4 major hubs - Singapore, Hong Kong, UAE, and India - and $2B+ in AUM. A decade of building what private banking should have always been.
Institutional Evolution
Launched the KASPRO Structured Notes Program in ADGM - the first of its kind in the jurisdiction positioning Kristal as a product issuer, not just a distributor.
The AI Pivot
Launched JARVIS, our proprietary Agentic AI, moving Kristal from robo-advisory to an AI-First Wealth Operating System. Intelligence at every layer of the platform.
The Billion Dollar Milestone
Crossed $1 Billion in AUM tripling assets in just 12 months. The institutional infrastructure built over six years validated at scale.
Middle East Entry
Established our presence in the UAE with the ADGM (FSRA) licence, opening the platform to the GCC market and its rapidly growing wealth corridor.
Series A & Growth
Raised $6M in Series A and crossed the $100M AUM mark a pivotal year that proved digital wealth management had genuine institutional demand.
Gateway to North Asia
Expanded to Hong Kong and secured the SFC licence, establishing our second major global hub and extending the regulated platform into one of the world’s top two wealth centres.
Institutional Validation
Closed our Seed Round ($1.85M) led by Chiratae Ventures to build our core Kristal portfolio infrastructure the first external validation of the model.
Licensed & Operational
Secured the CMS Licence from MAS (Singapore) the foundation of our regulatory credibility and the standard every subsequent licence would be measured against.
The Beginning
Founded in Singapore with a single conviction: that the quality and discipline of private banking should not depend on who you know or how much you already have.
REGULATED BY MAS · Singapore · SFC · Hong Kong · SEBI · India · FSRA · Abu Dhabi · Custody: IBKR · SAXO · DBS
These values aren’t slogans. They’re standards we use to build product, serve customers, and work as a team.
KNOWLEDGEABLE
Seek & share expertise
RELIABLE
If you make a promise, keep it
INNOVATIVE
Continuously strive to find simpler ways to do things
SINCERE
Take ownership for your actions & words
THINK CUSTOMER FIRST
Prioritize the customer’s ease over everyone & everything
ALLY
Be a friend, help others succeed
LEAD BY EXAMPLE
Do what you expect of others
With an accumulation of more than 150 years of experience across hedge funds, investment banks and asset management, our Investment Committee monitors and reviews every product on the platform so you can invest with confidence.
Asheesh Chanda
Founder, CEO & Global CIO
Vivek Mohindra
Head of Financial Products
Rakesh Khajuria
Head of Business & Advisory — Kristal Black, KASG & Trading
Ashwin Patravali
Head, Kristal Private Wealth
Sachin Nikhare
Head — Research
Analysts, advisors & operators behind every Kristal.
Whether you’re an investor looking for access, or an institution looking for infrastructure — the platform is the same.