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.
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).
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