Personalization. Trust. Access. Hands-off Investing.

With Kristal.AI, investors can create their personalized portfolio by accessing 200+ curated ETFs, bond portfolios, Investment Guru trackers, alternative investments, etc. with transparent and competitive fees.

Why Kristal.AI?

Kristal.AI is an AI-powered Digital-First Private Wealth platform, built for the new-age investor. 

Kristal.AI not only enables exposure to global investment opportunities but also provides you with the expertise of our advisory team supported by AI-based algorithms, enabling you to realize your investment dreams.Trusted by over 20,000 users in 20+ countries, for the past four years, we have developed our platform to make investing personalized, convenient, and affordable for everyone.

- Create and optimize your portfolio with over 200+ curated and thematic ETFs.
- Free unbiased and personalized advisory supported by AI-based algorithms and advisors.
- Enhance yields on stocks, bonds, and gold via customized derivatives and options.

- Fully regulated and compliant in Singapore, Hong Kong and India.
- Assets held in DBS (Trustee Bank) and Saxo (Custodian).
- Best Online Securities Platform 2019.
- Best Robo-Advisor in Singapore 2019.
- No exit penalties and no lock-in period.

- Team of client-centric financial experts with combined and extensive expertise in; investment markets, economics and risk analysis; proactively managing and enhancing your wealth.
- Algorithm-based monitoring to keep your portfolio on track.
- Dedicated Relationship Manager for every Private Wealth client.

Hands-off Investing
- Auto-rebalancing and 24/7 algorithm-based monitoring.
- Enjoy dollar-cost averaging to smoothen out the volatility with Systematic Investment Plan.
- Fully-discretionary mandates along with dedicated Relationship Managers to Accredited Investors.

Kristal.AI - Your Global Digital-First Private Wealth Platform. Manage your wealth with us anywhere, anytime, on any device.

What’s New

Version 4.22

- Enhancements to enable Accredited Investors to click & invest in Tailor-made products (ELONs) as per their market views.
- Minor UI changes and under the hood improvements to better your experience

Ratings and Reviews

4.5 out of 5
12 Ratings

12 Ratings

Ravindhiran ,

Amazing opportunity to invest across the globe

This service allows a common man to have access to multiple world markets. Really good options to diversify.

amigo1012 ,



App Privacy

The developer, Kristal, has indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


O2O Technologies Pte. Ltd
86.5 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad and iPod touch.


English, Simplified Chinese, Traditional Chinese

Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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