What we do with your money

When you deposit money into an AIFC account as a retail client, it’s protected in a number of ways.

The essentials

Your money is held in custodian client bank (independent trust) accounts at regulated banks

Your money and assets (shares, for example) are never merged with AIFC’s own money or assets

Licensed to conduct investment business by the Labuan FSA

Your assets are held by a custodian in (nominee) client asset accounts

AIFC doesn’t use your money for business activities, including for hedging trades with other counterparties (or as margin for our own hedging trades)

What does AIFC do with my money?

Unlike banks, investment firms like AIFC are required to separate client money and assets from their own resources. This means that we’re not allowed to use them in the course of our business activities, and that client money is completely ring-fenced and protected in the unlikely event that AIFC became insolvent.

AIFC is authorized to conduct investment business by Labuan FSA. The Labuan FSA requires the firms they supervise to hold client funds in accounts separate to their own.

The only clients whose money is not treated like this are clients we have classified as sophisticated persons who have signed a legal document explaining how their money and assets are held differently (this is known as ‘title transfer’).

What happens to the money I deposit with AIFC?

Your money is held in custodian bank accounts under trustee arrangements. This ensures that the cash remains yours, rather than AIFC’s. It also means that it’s easily identifiable as client money, so AIFC and its creditors don’t have any charge, liens, or rights of set-off or retention over it.

We have a number of custodian bank accounts at a range of credit-worthy high street banks. We intentionally ensure that client money is split between a number of banks, and we’re not permitted to hold it all in one place.

 

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Legal: This website is operated by AIFC Technology Limited (License No.: MB/21/0087) with registered address at Unit 14D, Main Office Tower Financial Park Complex Labuan, Jalan Merdeka, 87000 Wp Labuan.

AIFC Technology Limited, authorised and regulated by the LFSA (LABUAN FINANCIAL SERVICES AUTHORITY).

Risk Warning: Forex and CFD trading involves a significant risk to your invested capital. Please read and ensure you fully understand our Risk Disclosure.

AIFC Technology Limited does not direct its website and services to any individual in any country in which the use of its website and services are prohibited by local laws or regulations. When accessing this website from a country in which its use may or may not be prohibited, it is the user’s responsibility to ensure that any use of the website or services adhere to local laws or regulations. AIFC Technology Limited does not affirm that the information on its website is suitable to all jurisdictions.

The information on this site is not directed at residents of the United States and is not intended for distribution to, or use by, any person in any country or jurisdiction where such distribution or use would be contrary to local law or regulation.