CUSP Wealth Review: Features, Regulation & Investment Options

The growing popularity of digital wealth management platforms has made investing more accessible than ever before. CUSP Wealth is one of the newer players in this market, positioning itself as an alternative to traditional wealth managers by combining AI-powered portfolio construction with access to financial advisors.

In this review, we'll examine how CUSP Wealth works, its pricing structure, regulation, available investment products, funding and withdrawal methods, as well as the platform's key advantages and potential drawbacks to help you determine whether it fits your long-term investment strategy.

What is CUSP Wealth?

CUSP Wealth is a digital investment platform that combines modern investment technology with personalized financial guidance. Instead of focusing solely on self-directed trading or fully managed wealth management, the company offers both approaches within a single ecosystem.

CUSP Wealth site

Investors can either build their own portfolios by selecting individual stocks, or they can choose professionally managed portfolios tailored to their investment objectives, risk tolerance, and time horizon.

The company positions itself as an alternative to traditional private wealth managers by making professional investment services accessible to a wider audience. Rather than requiring hundreds of thousands of dollars to begin investing, CUSP allows eligible users to start with $25.

The platform also places significant emphasis on long-term investing rather than short-term speculation. Portfolio recommendations are generated using AI-driven analytics while remaining subject to oversight from financial professionals, creating a hybrid advisory model that combines automation with human expertise.

Who should consider CUSP Wealth?

CUSP Wealth may be suitable for several types of investors:

• Investors looking for Shariah-compliant solutions. Individuals seeking investments aligned with Islamic finance principles may find CUSP Wealth particularly attractive due to its dedicated Shariah-compliant investment offering.

• Beginner investors. The relatively low minimum investment allows individuals to begin investing without committing significant capital.

• Long-term investors. The platform emphasizes diversified portfolios and goal-based investing rather than speculative trading.

• Investors seeking professional guidance. Users who prefer assistance with portfolio construction can benefit from advised portfolios supported by both AI technology and financial advisors.

How CUSP Wealth works

Unlike many online brokers that offer multiple account tiers with different pricing and features, CUSP Wealth operates with a single investment account that gives clients access to two complementary ways of investing. Users can either manage their investments independently or choose a professionally advised portfolio, and both approaches can even be used simultaneously within the same account. This flexible model allows investors to combine self-directed investing with personalised advisory management according to their financial objectives and level of experience.

Self-directed investing

The self-directed option is intended for investors who prefer to maintain full control over their investment decisions. Through the CUSP Wealth platform, clients gain access to more than 10,000 US and international stocks, including over 1,300 Shariah-compliant securities.

Self-directed investing

Trading is offered with zero trading fees, while investors retain direct ownership of the underlying assets rather than trading CFDs or leveraged products. The platform also supports fractional investing, allowing users to purchase as little as one-tenth of a share, making high-priced stocks more accessible to retail investors. In addition, investors benefit from AI-powered market insights, portfolio analytics, and access to financial advisors whenever additional guidance is needed.

CUSP personalised portfolio

For investors seeking a more guided approach, CUSP offers its Personalised Portfolio service. The investment process begins with an onboarding questionnaire that assesses the client's financial goals, investment horizon, risk tolerance, and suitability. Based on this information, CUSP Wealth combines AI-driven portfolio analysis with oversight from financial advisors to recommend a diversified portfolio tailored to the individual's objectives rather than relying on a standard model allocation.

CUSP personalised portfolio

Disclaimer: This image is for illustrative purposes only and is not a reflection of a real portfolio investment.

Investors can start with $25, while the standard advisory fee is 0.75% of assets under management per year.

Shariah-compliant investing

One of CUSP Wealth's distinguishing features is its strong focus on Shariah-compliant investing.

Shariah-compliant investing

Islamic investing has historically presented challenges for retail investors due to varying interpretations of compliance standards and limited access to suitable investment products. CUSP Wealth seeks to simplify this process by offering investment portfolios designed to comply with established Islamic finance principles.

According to the company, its investment approach has received a Fatwa issued by an independent Shariah advisory board, providing religious oversight for the platform's investment methodology.

Shariah-compliant portfolios generally avoid investments in industries that are prohibited under Islamic finance principles, such as:

• conventional banking based primarily on interest;

• gambling;

• alcohol;

• tobacco;

• adult entertainment;

• certain highly leveraged businesses.

Deposit & Withdrawal methods

Once an account has successfully passed identity verification (KYC), clients can fund their investment account directly through the CUSP Wealth application. The platform supports several funding methods designed for both UAE residents and international investors, while all payment processes are conducted within a regulated environment.

Deposits

CUSP Wealth currently supports three primary funding methods:

• Local UAE bank transfers via Open Banking;

• Manual bank transfers (both UAE and international);

• Debit card deposits, including Visa, Mastercard, and Apple Pay.

The platform uses Open Banking technology powered by Lean Technologies, enabling customers to connect their UAE bank accounts securely without manually entering banking credentials. Mashreq Bank supports instant deposits, while other major UAE banks – including Emirates NBD, FAB, ADCB, ADIB, HSBC, CBD, DIB, Emirates Islamic, RAKBANK, Sharjah Islamic Bank, and WIO – are supported after a one-time bank authorisation process. Once the connection is established, subsequent deposits are authorised via OTP and processed automatically.

For card funding, CUSP Wealth accepts Visa and Mastercard debit cards only; credit cards and prepaid cards are not supported. Apple Pay is also available on compatible devices. Card deposits are generally credited instantly after successful 3D Secure authentication. CUSP Wealth does not store customers' card information, with all payments processed through encrypted third-party payment infrastructure.

Card deposits incur a 2.95% processing fee (set by their payment provider*) plus AED 1 per transaction, while AED deposits are automatically converted into USD using the exchange rate displayed before confirmation. International bank transfers may also be subject to fees charged by the sending or intermediary banks.

Withdrawals

Withdrawals are initiated directly through the CUSP Wealth application and can only be transferred to bank accounts held in the client's own name. If the investor previously deposited funds through a UAE local bank transfer, that bank account is automatically linked and becomes available for withdrawals. Alternatively, users may manually add another eligible bank account by providing the account holder's name, bank country, and IBAN. The platform also supports connecting eligible UAE banks through Open Banking for faster future withdrawals.

To comply with anti-money laundering (AML) and Know Your Customer (KYC) requirements, CUSP Wealth applies several security restrictions:

• withdrawals are permitted only to bank accounts registered in the client's own name;

• third-party transfers are prohibited;

• funds are generally returned to the same bank account used for previous deposits whenever applicable.

The minimum withdrawal amount is AED 25, and the payment provider charges a flat withdrawal fee of USD 5 per transaction, regardless of account type or subscription plan. Most withdrawals are completed within 1–2 business days, although first-time withdrawals, large transactions, compliance reviews, weekends, public holidays, or receiving bank procedures may extend the processing time. Clients can monitor the status of each withdrawal (Pending or Completed) in the application's transaction history.

Is CUSP Wealth legit and safe?

CUSP Wealth is operated by Cusp Wealth Ltd, which is licensed and regulated by the Dubai Financial Services Authority (DFSA). The company holds a Category 4 licence (Licence No. 10863, Reference No. F011420), authorizing it to advise on financial products and arrange deals in investments.

The DFSA is the independent regulator of financial services within the Dubai International Financial Centre (DIFC). Its regulatory framework sets standards for licensing, governance, compliance, and investor protection.

While DFSA regulation provides regulatory oversight, investing always involves risk. The value of investments may rise or fall, and past performance is not a guarantee of future results. Prospective clients should review CUSP Wealth's official disclosures and legal documentation before investing.

How to open a CUSP Wealth account

Opening a CUSP Wealth account is completed through the company's mobile application. New users can register using either UAE Pass or their mobile phone number. Once the registration process is complete and the account has been verified, clients can fund their account and start investing.

Step 1. Download the CUSP Wealth app

Download the CUSP Wealth app from the Apple App Store or Google Play and launch the application to begin the registration process.

Download the CUSP Wealth App

Step 2. Create your account

Sign up using either UAE Pass or your mobile phone number. If you choose to register with your phone number, CUSP will send a one-time passcode (OTP) to verify your identity. You'll also need to provide your email address and create a secure 4-digit PIN. For added convenience, you can enable Face ID or fingerprint authentication for future logins.

Create your account

Step 3. Complete identity verification

To access investment services, you'll need to complete the Know Your Customer (KYC) process. This involves providing the required personal information and identity documents to verify your account and comply with regulatory requirements.

Complete Identity Verification

Step 4. Wait for account approval

After submitting your information, CUSP reviews your application. Once your identity has been successfully verified and your account is approved, you'll gain full access to the platform's investment features.

Step 5. Fund your account and start investing

After approval, you can deposit funds using one of the supported payment methods available in the app. You can then choose to build your own portfolio by investing in stocks or select a CUSP Personalised Portfolio based on your investment goals and risk profile.

Fund Your Account and Start Investing

Bonus for CUSP Wealth users

If you are new to CUSP Wealth and interested in starting investing, you could receive $50 worth of stock after your first trade.

Here's how it works:

• Download the app via this link – it includes the promo code UNION already (or enter it manually in your profile after signing up).

• Register and complete KYC – a standard step for any regulated investment account.

• Deposit funds and complete your first trade.

• Choose your stock – pick any option from CUSP's Shariah-compliant list.

• Your $50 stock is credited to your portfolio.

T&C for promo code can be found here.

Pros and cons

Use CUSP Wealth as a long-term wealth-building tool

Anastasiia Chabaniuk Educational Content Editor

Investors are more likely to achieve consistent results on CUSP Wealth if they treat the platform as part of a disciplined long-term investment strategy rather than attempting to outperform the market through frequent trading. A practical approach is to define a clear investment horizon, contribute capital regularly, and maintain a diversified portfolio instead of reacting to short-term market volatility.

The platform's personalised portfolios can help investors avoid emotional decision-making, while self-directed users should periodically rebalance their holdings rather than chase the latest market trends. Ultimately, the strongest driver of long-term returns is not the platform itself, but an investor's ability to remain invested, manage risk appropriately, and follow a consistent strategy through different market cycles.

Conclusion

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Team that worked on the article

Aleksandra Chaikina

Author and financial analyst at Traders Union

Aleksandra Chaikina has been a contributor to Traders Union since 2021. With over 15 years of experience in copywriting and more than 5 years focused on financial content, she specializes in producing detailed guides, analytics, and comparative reviews across various sectors, including cryptocurrencies, Forex, investment strategies, and financial technologies.

Learn about our editorial policies

Ciaran Ryan

Editor at Traders Union

Ciaran Ryan is a veteran financial journalist based in South Africa, where he covers cryptocurrency, mining, stock markets, and governance for Moneyweb. He also hosts the weekly Moneyweb Crypto Podcast.

Chinmay Soni

Head of Fact-Checking Department

Chinmay Soni is a financial analyst with more than 5 years of experience in working with stocks, Forex, derivatives, and other assets. As a founder of a boutique research firm and an active researcher, he covers various industries and fields, providing insights backed by statistical data.

Glossary for novice traders

CFD

CFD is a contract between an investor/trader and seller that demonstrates that the trader will need to pay the price difference between the current value of the asset and its value at the time of contract to the seller.

Volatility

Volatility refers to the degree of variation or fluctuation in the price or value of a financial asset, such as stocks, bonds, or cryptocurrencies, over a period of time. Higher volatility indicates that an asset's price is experiencing more significant and rapid price swings, while lower volatility suggests relatively stable and gradual price movements.

Investor

An investor is an individual, who invests money in an asset with the expectation that its value would appreciate in the future. The asset can be anything, including a bond, debenture, mutual fund, equity, gold, silver, exchange-traded funds (ETFs), and real-estate property.

Index

Index in trading is the measure of the performance of a group of stocks, which can include the assets and securities in it.

Leverage

Forex leverage is a tool enabling traders to control larger positions with a relatively small amount of capital, amplifying potential profits and losses based on the chosen leverage ratio.