AI-composed portfolios
Every portfolio is composed by AI from global markets, asset classes, and macro signals. The intellectual work happens upstream; you receive the match.
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What we do
Four things that set Afinitiv apart.
AI behind every portfolio. Professional approval behind every release.
Professional approval
Every portfolio composition is reviewed and approved by our investment professionals before it's offered to clients. AI does the breadth; humans give the sign-off.
See the method →Transparent fees
0.75% a year for US residents, 1.00% for international clients, charged monthly in arrears. No commissions on your investments. Fund expenses and brokerage costs are passed through at cost; see our Form ADV Part 2A.
See accounts →Global and flexible
Available to investors in over 100 countries. Individual, company and trust accounts for US and international investors, plus IRAs for US residents. Fund your account with USDC on Ethereum, Solana, or Base.
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How it works
A simple path from questionnaire to your matched portfolio.
Answer a few questions. See your match. Open an account with our custodian. We monitor the portfolios from there.
01
Tell us about you
Risk tolerance, experience, and your circumstances. A few minutes of questions, no fluff.
02
See your match
We compare your responses against our portfolios — each AI-composed and professionally approved — and surface the closest fit. Review it before you commit.
03
Open with our custodian
Review the investment management agreement and disclosures, then complete account opening with Interactive Brokers, who hold your assets.
04
Stay matched
Afinitiv monitors the portfolios continuously. Any update to a portfolio's composition is approved by our investment professionals before it's rolled out.
2019
Founded in 2019. SEC-registered investment advisor since 2020.
100+
Countries where our service is available, including across North America, Latin America, Europe and the UK, the Middle East, Africa and Asia-Pacific.
USDC
Fund your account with USDC on Ethereum, Solana, or Base, or by bank transfer.
Account types
Accounts for individuals, companies and trusts.
Every account type accesses the same AI-composed, professionally approved portfolios. Individual, company and trust accounts are available to US and international investors; IRAs are for US residents.
For everyday
investing
investing
Individual account
An investment account in your own name, available to investors in the US and over 100 other countries. Add or withdraw any time.
For businesses
US and international
US and international
Company account
For companies, partnerships and LLCs investing surplus capital. An authorised signatory opens and signs for the company.
For trusts
US and international
US and international
Trust account
For family and other trusts. A trustee opens and signs for the trust.
US residents
Retirement, pre-tax
Retirement, pre-tax
Traditional IRA
Tax-deferred. Contribute pre-tax dollars; pay tax on withdrawals in retirement. Annual cap: $7,500 ($8,600 at age 50+) for 2026.
US residents
Retirement, post-tax
Retirement, post-tax
Roth IRA
Contribute after-tax dollars; growth and qualified withdrawals are tax-free. Income limits apply. Same $7,500 / $8,600 caps.
US residents
Self-employed
Self-employed
SEP IRA
Higher contribution ceiling — the lesser of $72,000 (2026) or 25% of net earnings — with pre-tax contributions.