Cube Wealth

Cube Wealth, a digital wealth management platform designed for busy professionals seeking a smarter, simpler way to build and manage wealth. The company operates in the fintech and wealthtech sector, serving Indian residents, NRIs, and global professionals through a unified app that offers curated investment options, portfolio analysis, and personalized advisory.

Key Milestones

• 2016: Founded by Satyen Kothari (ex-Citrus Pay) in Mumbai, aiming to democratize access to top-tier investment advice for busy professionals.

• 2018: Official launch of the Cube Wealth app, offering a unified platform for curated investments and wealth management.

• 2019–2020: Added international stock investing (US equities) and alternative assets, making global diversification accessible to Indian investors.

• 2020: Reached users in 20+ countries and 100+ Indian cities, with a growing client base of professionals and business owners.

• 2020: Closed Series A funding, bringing total equity raised to ₹34.9 crore (~$4.2M).

• 2024: Achieved 7.2% YoY revenue growth, reaching ₹1.94 crore in FY24 and maintaining profitability.

• 2024–2025: Expanded partnerships with leading advisors (Wealth First, Purnartha, Faircent, LiquiLoans, SafeGold) and platforms (BSE, BillDesk), and prepared for global expansion.

Unique Value Propositions 

• Curated, Multi-Asset Platform: Access to mutual funds, Indian and US stocks, digital gold, P2P lending, FDs, and alternative assets—all in one app.
• Expert-Driven Guidance: Every product is vetted by top advisors, and Cube Wealth invests its own money in recommended options.
• Personalized Wealth Coaches: Dedicated, human advisors for tailored portfolio planning and ongoing support.
• Jargon-Free, User-First Experience: Intuitive interface, no financial jargon, and real-time guidance for busy professionals.
• Global Access: Serves users in dozens of countries, with NRI and expat-friendly investment options.
• Security and Transparency: Three-factor security, AML checks, and investments always held in the client’s name.

Core Products and Services

Curated Investment Options

• Mutual Funds: SIPs and lumpsum, handpicked by Wealth First and other top advisors.

• Indian & US Stocks: Direct equity exposure and model portfolios, with guidance from Purnartha and RIA Rick Holbrook.

• Digital Gold: Secure, fractional gold investing via SafeGold.

• P2P Lending: Access to RBI-certified partners like Faircent and LiquiLoans for alternative fixed income.

• Fixed Deposits & Asset Leasing: Options for stable returns and diversification.

• Alternative Assets: Asset leasing via Grip, and other non-traditional investments.

Wealth Coaching & Portfolio Planning

• Dedicated Wealth Coaches for personalized asset allocation, goal planning, and ongoing support.

• Financial freedom plans that bucket goals into emergency, short-, medium-, and long-term need.

Unified Portfolio Management

• Single dashboard to track, monitor, and rebalance all investments across asset classes.

• Real-time alerts, performance analytics, and actionable insights.

Global Access

• NRI and expat-friendly investment options, with seamless onboarding for users in 20+ countries.

Business Model & Revenue Streams

• Wealth Management Fees: Charges a fee for advisory services and portfolio management, typically as a percentage of assets under advisory or as a subscription.

• Distribution Commissions: Earns revenue from AMCs, stockbrokers, P2P platforms, and other financial partners for assets invested via Cube Wealth.

• Premium Advisory: Offers higher-touch, personalized services for HNI and NRI clients, which may include additional fees.

• Geography: Majority of revenue comes from Indian residents, but the NRI/expat segment is growing, especially in the Middle East, US, and UK.

• Revenue Split: As of FY24, wealth management and advisory services contributed over 80% of revenue, with the remainder from distribution commissions and premium services.

Customer Segmentation

• B2C: Urban professionals, founders, senior managers, and NRIs seeking curated, multi-asset portfolios.

• B2B2C: Partners with select advisors and financial planners to extend Cube’s platform to their client.

Top Clients & Partnerships

Investment Advisors

• Wealth First: Mutual fund curation and portfolio advice.

• Purnartha: Indian equities advisory with a 27%+ CAGR track record.

• RIA Rick Holbrook: US equities advisory for global diversification.

• Faircent & LiquiLoans: RBI-certified P2P lending partners for alternative income.

• SafeGold: Digital gold provider.

• Grip Invest: Asset leasing and alternative investment partner.

Platform & Transaction Partners

• BSE, BillDesk: Secure transaction processing and settlement.

Client Base

• Professionals from Google, Amazon, Deloitte, KPMG, and more.

• NRIs and expats in 20+ countries.

Client Concentration Risk

• Highly diversified across asset classes, geographies, and client types, reducing reliance on any single segment or partner.

Future Outlook & Strategic Priorities

• Product Expansion: Adding new asset classes (e.g., international bonds, real estate, structured products) and deepening global equity offerings.

• Geographic Expansion: Scaling NRI/expat business, especially in the Middle East, US, and UK.

• Tech Innovation: Enhancing AI-driven portfolio recommendations, real-time analytics, and user experience.

• Financial Literacy: Investing in education and content to empower first-time investors and drive engagement.

• Regulatory changes, in wealth management, especially for cross-border investments and digital advisory.

• Increased competition, from both traditional wealth managers and digital-first fintechs.