Kubera

Kubera is a personal wealth management platform built around the premise that high-net-worth individuals should be able to see every asset they own—stocks, real estate, private equity, crypto, physical assets—in a single unified balance sheet, without handing their capital over to a traditional wealth manager who charges a 1% annual advisory fee. The platform launched in 2019 and was founded by Rohit Nadhani, Manoj Marathayil, and Umesh Gopinath, the same team behind Webyog (MySQL database tools) and Newton, an Indian crypto exchange that was acquired by PayU.

As of 2026, users track over $47 billion in combined assets on the platform.

What Kubera Does

At its core, Kubera is an aggregation and reporting layer. It connects to thousands of banks and brokerages globally via secure integrations, imports holdings from stock exchanges across the US, Canada, UK, Europe, and Asia, and pulls live valuations for digital assets from blockchain networks and centralized exchanges. For institutions that do not support direct API connectivity, Kubera provides a Web Sync Chrome extension that can read portfolio data directly from brokerage web interfaces.

On the digital assets side, Kubera tracks holdings across major blockchains including Ethereum, Bitcoin, Solana, Polygon, Avalanche, and Cosmos. It automatically reflects staking rewards and DeFi protocol balances—pulling data from platforms like Aave and Compound—and integrates with OpenSea for NFT valuations. Crucially, Kubera only ever requests read-only access to wallets and exchanges; it cannot initiate transactions on behalf of users.

Beyond financial accounts, the platform tracks physical assets: real estate with live price feeds and AI-powered appraisal, vehicles via VIN-based lookups, commodities, watches, jewelry, and other collectibles. Private equity positions—including LP stakes, committed capital, distributions, and IRR calculations—are also tracked.

Key Features

Portfolio Reporting and Analytics Kubera generates real-time portfolio allocation views and dynamic reports across the entire asset base. A "Club Benchmarks" feature allows users to compare their allocation percentages anonymously against peers on the platform. Multi-currency support is native throughout, allowing international investors to see their entire portfolio in a chosen base currency without manual conversion.

Fast Forward Scenario Planning A built-in modeling tool called Fast Forward lets users project how their portfolio might evolve under different assumptions—growth rates, new contributions, drawdowns—making it useful for evaluating complex financial decisions before acting on them.

Multi-Entity Support Kubera Black, the enterprise tier, supports nested portfolios across holding companies, subsidiaries, trusts, and partnerships. Access controls can be configured at a granular level, making the platform suitable for family offices and wealth managers overseeing multiple clients or structures.

Estate Planning The platform includes a "Dead Man's Switch" (marketed under the name Life Beat) that allows users to designate a beneficiary with read-only access to the portfolio. If the account holder becomes inactive for a configurable period, the beneficiary receives access—addressing a genuine gap in digital asset estate planning, where heirs often cannot locate or access holdings after a death.

Proof of Wealth Kubera generates verifiable proof-of-wealth documents and accredited investor certifications drawn from real-time portfolio data. This is used by users participating in private placements or real estate transactions that require documented net worth.

AI Integration The platform offers API-level connectivity to AI assistants including ChatGPT, Claude, Gemini, and Grok, allowing users to query their portfolio data through conversational interfaces.

Security and Compliance

Kubera holds SOC 2 Type II certification, meaning an independent auditor has verified the platform's security controls, availability, and confidentiality practices. Data is encrypted at rest and in transit on AWS infrastructure. The platform does not support end-to-end encryption, meaning Kubera's systems can access user data in plaintext—a tradeoff that is common among aggregation platforms but worth noting for users with elevated privacy requirements. Crypto integrations use read-only API keys or public wallet addresses only.

Pricing

Kubera Essentials is priced at $249 per year and includes all core features: multi-account aggregation, crypto and DeFi tracking, analytics, IRR calculations, AI integration, Fast Forward projections, document vault, portfolio sharing, and the Life Beat estate planning feature. A 14-day free trial is available.

Kubera Black is priced at $2,499 per year and adds nested portfolio structures for trusts and LLCs, granular access control, concierge onboarding, and VIP support.

Solana Ecosystem Fit

Kubera sits at the intersection of crypto and traditional finance tools. For Solana holders—whether they hold SOL directly, participate in staking, hold liquid staking tokens, or hold positions in Solana-based DeFi protocols—Kubera provides a way to include those holdings alongside conventional accounts in a single net worth calculation. The platform reads Solana wallet balances automatically, reflects on-chain staking positions, and integrates that data into portfolio allocation reporting.

This positions Kubera as a relevant tool for high-net-worth individuals who allocate a portion of their portfolio to Solana-based assets but need a consolidated view that spans traditional finance and on-chain holdings. It is not a DeFi protocol, staking provider, or on-chain application—it is a read-only reporting layer that surfaces Solana data within a broader wealth management context.

The team has emphasized a focus on users who prefer direct control over an advisor-managed account, describing its target audience as founders, executives, and investors managing complex, diversified balance sheets. The platform's Solana integration is one component of that broader multi-chain and multi-asset tracking capability.