What Is Wealtii? Funds, Fees, Custody & How It Works

Wealtii is an online platform offering three index-style funds that hold crypto and tokenized real-world assets, such as tokenized US stocks, ETFs and gold. The assets are bought on-chain and held 1:1 in a public multi-signature vault on BNB Smart Chain. You invest with USDT from $10, and Wealtii is not regulated.

Who runs Wealtii, and is it regulated?

Wealtii is currently operated by its founder, Zayd Ahmed. A formal legal entity has not yet been established; Wealtii is working towards formal company registration.

Wealtii is not registered or licensed as a broker-dealer, investment adviser, money services business or virtual asset service provider with any regulator, including the SEC, FINRA or the UK Financial Conduct Authority. There is no deposit insurance, investor-compensation scheme or crypto insurance. Card and bank purchases of USDT are handled by third-party on-ramp providers. Wealtii does not serve sanctioned jurisdictions (including Cuba, Iran, North Korea, Syria and the Crimea, Donetsk and Luhansk regions), and users are responsible for complying with their local laws. The regulatory status page has the full position.

Which funds does Wealtii offer?

Each fund holds a fixed target allocation set by Wealtii's allocation methodology, with position caps. The funds are not weighted by market capitalization. Target weights as of 21 October 2026 (each fund page shows current figures):

The tokenized stocks and ETFs (the "…on" tokens) are issued by Ondo Global Markets. They give economic exposure to the underlying security, without shareholder voting rights, and Ondo restricts them for US persons, so the Growth and Balanced funds may not be available in all jurisdictions, including the United States. Read more about Ondo tokenized stocks and what BTCB is, since all three funds hold Binance-Peg Bitcoin rather than native bitcoin. For a side-by-side guide, see how the three Wealtii funds compare; for how funds of this kind work in general, see how crypto index funds work.

How does investing with Wealtii work?

1. Sign up and verify your email. Email one-time passcodes are used for sign-in verification, and you can turn on authenticator-app (TOTP) two-factor authentication.
2. Fund your account. Deposit USDT on BNB Smart Chain (BEP-20) to your personal deposit address; deposits are credited after 12 confirmations. Alternatively, buy USDT by card or bank transfer through a third-party on-ramp provider (Transak, Banxa, Onramp.money, Onramper or Alchemy Pay). Providers charge their own fees, run their own identity checks, and availability varies by country.
3. Choose a fund and an amount. The minimum investment is $10.
4. The purchase executes on-chain. Each purchase buys every holding at its target weight through DEX aggregators at the best available quote. Market price impact and slippage can apply. Your account is credited with fund units.
5. Sell when you choose. The underlying tokens are sold on-chain and the proceeds are credited to your USDT balance.
6. Withdraw. Withdrawals are paid in USDT to an external BEP-20 wallet. Wealtii does not pay out to bank accounts directly.

Automated rebalancing is in development and not live, so between purchases each fund's actual weights move with market prices. Wealtii does not offer automatic recurring purchases. The how Wealtii works step by step page covers each stage in more detail.

What are Wealtii's account levels and limits?

What does Wealtii cost?

• Platform fees: 0% on purchases, sales and withdrawals during the early-adopter promotion.
• Management and performance fees: none. There is no lock-up and no exit penalty.
• Network (gas) fees: apply to on-chain transactions, typically under $0.50 on BNB Smart Chain.
• Execution costs: trades go through DEX aggregators, so price impact and slippage can apply.
• Refund processing: if the USDT you send differs from the amount you selected beyond the tolerance buffer, the excess or shortfall is refunded minus a 0.5% processing fee.
• On-ramp fees: charged by the third-party provider if you buy USDT by card or bank transfer.

If platform fees are introduced or changed, Wealtii will give at least 30 days' advance notice, and changes will not be retroactive. The fee schedule has the current details.

How are assets held, and how can you verify them?

Fund assets are held 1:1 in a Gnosis Safe 3-of-3 multi-signature vault on BNB Smart Chain. Safe is a smart-account system for multi-signature wallets; in a 3-of-3 setup, moving funds requires all three signatures. The vault's public address is 0x54dd6ADaCe8BFd8feAA9cdf1Ca8891c74FaB2583, and anyone can view its holdings on BscScan. Assets are not lent, staked or rehypothecated, and Wealtii does not earn yield on them.

An on-chain balance shows what the vault holds at a point in time; it does not by itself show what Wealtii owes its users. Wealtii has not yet had a third-party security audit, penetration test, SOC 2 or ISO 27001 certification; these are planned. Our walkthrough on verifying Wealtii's reserves on BscScan and the transparency page explain what you can and cannot check.

What are the risks of using Wealtii?

• Market risk: crypto and tokenized assets can fall sharply; you can lose some or all of your investment.
• No regulatory protection: Wealtii is not regulated, and there is no compensation scheme if something goes wrong.
• Wrapper and issuer risk: BTCB depends on Binance holding the backing bitcoin; Tether Gold depends on its issuer; Ondo tokens depend on Ondo's structure.
• Operational and smart-contract risk: the platform, the vault and the DEX routes depend on software and key management.
• Early-stage business: Wealtii is founder-operated and has not yet completed company registration.
• Drifting weights: without live rebalancing, a fund's actual mix can move away from its targets.

Who is Wealtii suitable for?

Wealtii may suit people who want a ready-made basket of crypto and tokenized assets, are comfortable using USDT on BNB Smart Chain, can verify holdings on-chain, and accept that the platform is unregulated and early-stage. It is not suitable for money you may need soon, for investors who need regulatory protection or a bank payout, or for residents of jurisdictions where the funds or their holdings are restricted.

Support is ticket-based: tickets can be raised 24/7, with a typical first response within a few hours. You can also email support@wealtii.com.

Frequently Asked Questions