Kubera

Overview

Kubera is a modern, privacy-focused net-worth and wealth dashboard built to give individuals and families a unified, real-time view of everything they own. Born from the founders’ own cross-border and multi-entity wealth challenges, Kubera aggregates data from banks, brokerages, exchanges, blockchains, and manual inputs to present a single interactive balance sheet. The product aims to replace fragile spreadsheets and static PDF reports with a dynamic tool that supports complex ownership structures, multiple currencies, and both liquid and illiquid assets.

Core Capabilities

1. Aggregation & Connectivity: Kubera connects to banks, brokerages, and thousands of institutions worldwide through multiple aggregators. Its smart connector logic chooses the most reliable aggregator for each institution to optimize connectivity.

2. Comprehensive Digital Asset Support: Kubera supports major blockchains, exchanges, wallets, DeFi positions, staking, and NFTs. It recognizes on-chain events such as lending and staking so crypto holdings and their derived yields are reflected accurately.

3. Alternative & Private Assets Tracking: The platform can model private equity, private stocks, LP positions, committed capital, capital calls, distributions, and IRR calculations. Integrations with services like Carta help bring private investment data into the balance sheet.

4. AI Import: When connectivity fails or holdings exist only in documents, Kubera’s AI Import accepts PDFs and screenshots and extracts financial data to automate tedious manual entry.

5. Multi-Entity & Multi-Currency Management: Nested portfolios let users maintain separate balance sheets for holding companies, trusts, and subsidiaries, while multi-currency support and conversion let globally mobile individuals track wealth in any base currency.

6. Sharing & Access Control: Kubera’s multiplayer features enable sharing with family, advisors, accountants, or assistants with granular permissions, ensuring collaboration without sacrificing privacy.

7. Scenario Planning & Benchmarks: The Fast Forward feature models dynamic financial scenarios rather than fixed-date retirement projections. Club Benchmarks allow users to compare allocations and performance against anonymized groups with similar wealth profiles.

Key Features (numbered)

1. Real-time Reporting: Instant portfolio snapshots, allocation views, and historical net-worth charts give an always-current perspective on financial health.

2. Cash Management & Forecasting: Track liquidity across accounts, forecast cash needs for expenses or capital calls, and reduce the risk of forced asset sales.

3. Security and Privacy by Design: Kubera’s business model avoids selling data or running ads; security is built into core operations, including measures for safe beneficiary handoff via a Dead Man’s Switch.

4. Human Customer Support: 100% human email support with concierge and VIP options for Black customers ensures responsive, personalized help.

5. White-Label & Business Plans: Kubera offers white-label solutions and onboarding services for advisors and firms that want a branded client dashboard.

Why Kubera?

Kubera is targeted at people who manage complex, diverse portfolios and want a single place to understand net worth and make decisions. It is especially valuable for expatriates, families with multiple entities, alternative investors, and crypto holders who need depth and flexibility beyond generic personal finance apps. The platform’s emphasis on privacy, real-time insights, and rich asset modeling makes it a compelling replacement for spreadsheets and piecemeal reporting solutions.

Recommendation and Use Cases

• Use Kubera if you need a comprehensive balance sheet that includes crypto, private investments, and real assets.
• Use the AI Import when connectivity is incomplete or when you have extensive PDF statements to digitize quickly.
• Use nested portfolios to manage trusts, LLCs, and different family entities while retaining the ability to roll everything up for a consolidated view.

Final Notes

Kubera blends aggregation, advanced asset modeling, and human-centered support into a single product designed for wealthy individuals and advisory practices. It focuses on accuracy, privacy, and practical features—like scenario planning and benchmarking—that help turn passive reporting into actionable wealth-management insight. The platform is positioned as premium software with tiered pricing and concierge options for users who demand high-touch service and sophisticated capabilities.