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 4.00

- Comprehensive view of portfolio
- Lifetime, MTD, YTD value of consolidated portfolio in 1 place.
- Accurate and timely individual account information made easily available
- Easy view of significant analytics

- Growth and Income Funds - Funds to boost or stabilise your earnings
- VC and Startup kristals- access to exclusive high potential strategies

-Enhanced and easy onboarding

Other updates
- Idea tab enhancements

Ratings and Reviews

4.7 out of 5
13 Ratings

13 Ratings

Lexeo97 ,

Good customer support

Look for the customer support number(found online) and WhatsApp them, they are swift and efficient in clarifying your queries

Jonrenjunyu ,

Great experience!

Extremely easy to use and navigate! Love the experience


O2O Technologies Pte. Ltd
93.8 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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