# Kristal:Digital Wealth Manager — Start Investing > Digital wealth manager for investing in global funds, ETFs, and private markets. (iPhone/iPad app by O2O Technologies Pte. Ltd.) - Source: https://appshunter.io/ios/app/kristaldigital-wealth-manager/id1163867991 (this page in markdown: same URL + `.md`) - Developer: [O2O Technologies Pte. Ltd](https://appshunter.io/developer/1163867990) - Category: Finance, Productivity - Price: Free - Rating: 3.75/5 from 4 App Store ratings · 20 written reviews indexed - Age rating: 4+ - Requires: iOS 16 · 68 MB - Languages: English - Released: 2016-11-10 - Data updated: 2026-08-01 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/kristaldigital-wealth-manager/id1163867991/reviews.md ## What is Kristal? Searching for trending investments from around the world? They’re all on Kristal.AI. Now with a brand new look and feel ! We offer a vast range of investments for Accredited Investors. From award-winning funds to alternative and impact investments, and private equities. Legacy planning option is also available through our family office arm. For everyday investors, we have 200+ ETFs curated to sector themes, and algorithm-managed portfolios. The portfolios will be automatically rebalanced to help you get started with ease. With the Kristal.AI mobile app, you get your portfolio dashboard, market updates, and latest investment opportunities on-the-go. What you will love about Kristal Private Wealth account: We add investment ideas regularly. Explore new investments by speaking to your Kristal Advisor. Access private market investments which are usually reserved for the ultra-high-net-worth individuals. Unbiased advice and timely market insights from your dedicated Kristal Advisor. Optimise your investment performance. We administrate your assets invested for you to have a clearer picture of your wealth. Boost your investment performance, through leverage or margin trading. Option to fully trust us to grow and manage your wealth. With a fully discretionary mandate, our Advisors make investment decisions on your behalf through discretionary mandates. All the powerful tools and features available in the account. What you will love about Kristal Retail account: Personalise your investment portfolio using our advisory algorithm. Simply input your investing goals, risk tolerance and time horizon to get started. Automate your investments through a Systematic Investment Plan. Flexibility to choose your investments, even in an algorithm-generated portfolio. Kristal.AI management fee starts from 0.3% per annum that begins at the first investment. You can easily top-up and withdraw funds through the online portal We are a regulated entity. Headquartered in Singapore, with offices in Hong Kong and India, we are licensed by MAS, SFC and SEBI. We hold clients' funding in DBS (Trustee Bank), and assets in Saxo Markets and Interactive Brokers (Custodian). Media & Press: https://kristal.ai/blogs Love Kristal.AI? Follow us on LinkedIn: https://www.linkedin.com/company/kristal.ai ## Key features - Global investment opportunities - Curated ETFs and algorithm-managed portfolios - Private market access - Personalized investment advice - Portfolio dashboard and market updates - Automated investments - Asset administration and management ## Recent user reviews (10 of 20) All indexed reviews: https://appshunter.io/ios/app/kristaldigital-wealth-manager/id1163867991/reviews.md ### 5/5 — Good App *2025-10-15, version 6.13* Amazing app and good service kristal.AI is good platform ### 5/5 — Like the fractional access and advisor *2025-10-15, version 6.13* I have been using this app for more than an year now. Like the products on the platform, especially some hedge funds and private offers. Advisory is also quite number driven ### 5/5 — Very good improvements *2025-10-15, version 6.13* App and business team have improved very well over the years. Great spread of products and fractional sizes make the access worthwhile. Keep it up! ### 3/5 — Loved this app, recent bug *2025-09-27, version 6.12* I used to love this app, just that the current app is very buggy. I reckon to fix it. ### 1/5 — Explore tab doesn’t open *2025-03-13, version 5.95* The app keeps crashing and closing when I click on explore. How can one research and choose between investment options without having the chance to review any information. ### 4/5 — Prefer the old ui for the holdings *2024-03-14, version 5.69* ^ was able to see each holding’s gains and losses next to each other ### 3/5 — False positive on MacBook Air *2022-01-30, version 4.75* I installed Kristal app on my MacBook Air and when tried to open it the app told me that my MacBook Air is jailbroken. I know my Mac isn’t jailbroken then why is the Kristal app flashing this message ? ### 1/5 — Referral code does not work. *2021-06-11, version 4.36* Either the reward associated with referral code is a gimmick or the app is faulty ### 5/5 — Great platform, low fees *2021-04-19, version 4.31* Pretty great for the price ### 1/5 — Can’t loading data *2021-03-31, version 4.30* Can’t log in！loading for a long long time and can’t log in finally! ## Frequently asked questions about Kristal ### What types of investments can I find on Kristal? Kristal offers a diverse range of investments including award-winning funds, alternative and impact investments, private equities, and over 200 ETFs curated to sector themes. Accredited investors can also explore private market investments. ### How does Kristal help manage my investments? Kristal provides algorithm-managed portfolios that are automatically rebalanced, a portfolio dashboard, market updates, and the option for advisors to manage your assets with a discretionary mandate. ### Is Kristal a secure platform for my finances? Yes, Kristal is a regulated entity licensed by MAS, SFC, and SEBI. Client funding is held in DBS (Trustee Bank), and assets are held with Saxo Markets and Interactive Brokers (Custodian). ### What are the fees associated with Kristal? Kristal's management fee starts from 0.3% per annum, which begins at the first investment. Specific fees for private market investments or discretionary mandates may vary. ### Can I automate my investments with Kristal? Yes, Kristal allows you to automate your investments through a Systematic Investment Plan, making it easier to consistently grow your wealth. ### What devices does Kristal support? Kristal is available on iPhone, iPad, and iPod, making it accessible for users across Apple's mobile ecosystem. ### How often is Kristal updated? The app was last updated on March 27, 2026, indicating regular updates to improve features and performance. The latest version is 6.23. ### Does Kristal have ads? Yes, Kristal contains advertisements. Users may encounter ads within the application interface. ## Version history (last 5 releases) ### 6.60 — 2026-07-29 Explore our latest updates on Kristal platform to check out how we’ve improved your investment journey! Got rid of some bugs and optimised performance even further. Our Indian clients will now have option to transfer funds digitally overseas via LRS. Update now! ### 6.59 — 2026-07-09 Explore our latest updates on Kristal platform to check out how we’ve improved your investment journey! Got rid of some bugs and optimised performance even further. Our Indian clients will now have option to transfer funds digitally overseas via LRS. Update now! ### 6.58 — 2026-06-13 Explore our latest updates on Kristal platform to check out how we’ve improved your investment journey! Got rid of some bugs and optimised performance even further. Our Indian clients will now have option to transfer funds digitally overseas via LRS. Update now! ### 6.56 — 2026-06-09 Explore our latest updates on Kristal platform to check out how we’ve improved your investment journey! Got rid of some bugs and optimised performance even further. Our Indian clients will now have option to transfer funds digitally overseas via LRS. Update now! ### 6.55 — 2026-06-03 Explore our latest updates on Kristal platform to check out how we’ve improved your investment journey! Got rid of some bugs and optimised performance even further. Our Indian clients will now have option to transfer funds digitally overseas via LRS. 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Ltd: https://appshunter.io/developer/1163867990 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-01.*