Arta Finance is an investment platform for accredited investors. It operates through an SEC-registered investment adviser in the United States and a company holding a Capital Markets Services licence from the Monetary Authority of Singapore.
The platform offers managed portfolios, private-market funds, structured products, self-directed trading and AI tools for analysis and planning. Members are expected to invest $100,000 by the end of the first year, while some individual products have lower minimums. Availability, investment documentation and the responsible legal entity depend on the client's country and accredited-investor status.
Company and regulatory structure
The company was founded in 2021 by Caesar Sengupta, a Google veteran who over 15 years rose to vice president, running ChromeOS, the Google Pay payments business and the Next Billion Users initiative. A group of former Google colleagues founded the company with him; in November 2022 Arta disclosed approximately $90m of funding from Sequoia Capital India (now Peak XV), Ribbit Capital and Coatue, plus over 140 private investors — among them Eric Schmidt, Ram Shriram and Betsy Cohen; total funding raised is ≈$92m.
The first market was the United States, where Arta operates as an SEC-registered investment adviser for accredited investors. Expansion followed: in July 2024 Singapore's Arta Wealth Management Pte obtained a MAS CMS licence, in September 2024 EDBI — the investment arm of Singapore's Economic Development Board — came in as a strategic investor, and in October 2024 global onboarding opened through Singapore.
In April 2025 the company introduced Arta AI — a set of conversational AI agents for planning, analytics and product selection — and since late 2025 has been licensing it to banks as wealth-as-a-service. In March 2026 Felix Lin became Group CEO, a co-founder and former president/CFO with a Google and Oracle background (his AvantGo went public back in 2000); Sengupta remained on the board and moved into an advisory role. In 2026 the platform collected industry awards from the PWM Wealth Tech Awards and the Global Private Banking Innovation Awards as an AI provider for private banks.
| Regulator, US | SEC-registered investment adviser |
|---|---|
| Regulator, Singapore | Arta Wealth Management Pte, MAS CMS licence since July 2024 |
| Who qualifies | Accredited investors in the US and in supported onboarding countries |
| Membership threshold | $100k invested by the end of the first 12 months |
| Custody and protection | BNY Pershing; SIPC protection up to $500k in the US loop |
| Funding | ≈$92m from over 140 private investors |
| As of date | Pricing and product shelf as of August 2026 |
Products and pricing
The platform earns asset-based fees, product charges and subscription revenue from certain AI tools. Per the pricing page: joining, accounts and trading are free, and for new members the first year of management is free on balances under $100k; the expected minimum is $100k invested by the end of the first 12 months of membership, and wire transfers are free on deposits of $25k and above.
Arta Exclusives includes private markets and quant strategies: feeders into funds from Apollo, Carlyle, Vista, Silver Lake, Starwood, Golub and others, whereas classic distribution of such funds typically starts at $250k. In Singapore some alternatives open from S$10k.
A separate product category is structured products: fixed coupon notes paying a monthly coupon and growth notes with enhanced upside participation and partial protection, investment-grade issuers; the derivatives desk refreshes the line-up every two weeks to match market conditions.
The shelf comes down to six lines, from private markets to cash, each with its own minimum and Arta fee.
| Line | Minimum | Arta fee |
|---|---|---|
| Private markets, fund feeders | $10k | 0.6–1.0% of AUM on top of fund fees |
| Structured notes | $10k | Flat annual fee |
| Core & Satellite portfolios | $25k | 0.5% of AUM |
| Self-directed trading | — | No commission |
| US Treasuries portfolio | $5k | 0.2% of AUM |
| Money-market sweep | — | Free |
Ancillary rates are the same across the shelf: custody at zero for managed assets and 0.09% for self-directed (waived when matched by an equal volume of managed assets), and an FX spread of 0.1%.
Arta AI runs three agents — Investment Planner, Product Specialist and Research Analyst — for $20 a month, or free with $100k on the platform. Additional services and partner relationships include tax and estate planning, partnerships with Temasek Trust, succession law firms and citizenship-by-investment providers — Hubbis describes this as the model's third pillar alongside public and private markets.
Comparable platforms
A comparable private-markets platform is Moonfare: feeders into KKR, CVC and Warburg Pincus, but with higher minimums — its own FAQ puts them at €50,000 for portfolio funds and €100,000 for classic feeder funds, in both cases depending on the investor's jurisdiction, with the secondaries fund from €25,000 — and all of it a single product with no public-market portfolios and no banking wrapper.
iCapital operates primarily as B2B infrastructure for advisers and banks with ≈$1.2trn of assets on the platform (June 2026) and no walk-in retail entry. Arta combines direct-to-client distribution with selling its own platform to banks, so it overlaps with iCapital only in that second, infrastructure loop.
In Singapore the overlap is Endowus Private Wealth: fee-only access to over 70 managers and 200 funds (Blackstone, Apollo, Ares) at 0.40–0.60% from US$50,000, its strengths being trailer-fee rebates and support for CPF/SRS. A US platform with a related service set is Compound Planning, a "digital family office" structured as an SEC RIA with its own in-house tax service. Arta's distinguishing elements are separate US and Singapore regulatory entities, a combination of public and private markets, structured products and AI tools.
Eligibility, custody and product limitations
Clients outside the United States may be onboarded through the Singapore company if their country is supported and they satisfy the applicable accredited-investor test. The client must confirm accredited-investor status under MAS rules — meeting one of three tests is enough.
| MAS test | Threshold |
|---|---|
| Annual income | S$300k or more |
| Net financial assets | over S$1m |
| Net personal assets | over S$2m; primary residence counted up to a maximum of S$1m |
Singapore residents pass the check through Singpass with virtually no paperwork; everyone else will need bank statements, proof of income or a property valuation.
US persons use the US advisory entity. In both structures, private-market products require review of the feeder, the combined platform and fund-manager fees, liquidity restrictions, valuation, currency exposure and tax reporting in the investor's country of residence.
Custody and technology model
The group uses two principal regulatory entities: an SEC-registered adviser in the United States and Arta Wealth Management Pte in Singapore, holding a MAS CMS licence since July 2024; the CMS licence defines the investment services permitted for the Singapore company. Custody sits with BNY Pershing, and in the US loop SIPC protection of up to $500k applies. EDBI became a strategic investor in the company.
A separate revenue line is licensing technology to banks: the platform built for the firm's own clients is resold to banks in three formats — white-label, API integration and licensing of the AI tools. By November 2025 it had been adopted by Bank of Singapore (≈$116bn AUM, to serve external asset managers and family offices), Malaysia's Hong Leong Bank (recommendations for relationship managers), Abu Dhabi's Wio, Hong Kong's Ethivo and Singapore's Income Advisory. The same technology is used in the direct-to-client service and in B2B arrangements with banks. Each bank implementation remains subject to its own licensing, suitability, data and outsourcing requirements.
The main operating risks include: dual US/Singapore compliance, the discipline of administering feeders, and the dependence of the product shelf on fund managers' appetite for retail money. Plus the classic problem with AI-managed portfolios: the model is only as good as the data and the constraints it lives within.
Regulation and status
The timeline:
- July 2024 — a MAS CMS licence for Arta Wealth Management Pte and launch for Singapore accredited investors;
- September 2024 — EDBI's strategic investment;
- October 2024 — global onboarding through Singapore;
- April 2025 — Arta AI;
- November 2025 — a wave of wealth-as-a-service integrations;
- March 2026 — Felix Lin in the Group CEO seat.
In the United States the company operates as an SEC-registered investment adviser. Total funding is ≈$92m from over 140 private backers; the audience is tens of thousands of members across over 40 countries.
Q/A
Who can become an Arta client?
Accredited investors: in the United States through the SEC-registered RIA loop, and international clients through Singapore's MAS-licensed Arta Wealth Management Pte. The Singapore test: income of S$300k a year or more, or net financial assets over S$1m, or net personal assets over S$2m; residents confirm their status through Singpass, non-residents with documents.
What minimums and fees apply?
The expected minimum is $100k invested by the end of the first year of membership, while during that first year balances under $100k are managed free of charge. Private markets from $10k at 0.6–1.0% of AUM plus fund fees, Core & Satellite portfolios from $25k at 0.5%, structured notes from $10k, and US Treasuries from $5k at 0.2%. There is no subscription fee; Arta AI costs $20 a month or is free with $100k on the platform.
How does Arta differ from a classic family office?
Arta provides an investment platform and selected planning relationships rather than the full administrative, tax, accounting, bill-pay and governance functions of a single-family office. Complex legal and tax structures remain the responsibility of separate professional advisers.
How does Arta compare with Moonfare, iCapital and Endowus?
Moonfare is pure private markets with minimums of €25,000–100,000 depending on the format; iCapital is B2B infrastructure for advisers with no direct retail entry; Endowus Private Wealth is Singapore fee-only fund access from US$50,000. Arta's difference is breadth: a dual US/Singapore loop, public-market portfolios, structured notes and AI agents inside a single membership.
What should you look at in the private markets block?
At the feeder structure: the minimum, the full two-layer fee load, the liquidity windows and the tax consequences in your country of residence. Fund managers' fees are disclosed to members inside the platform.