Built on Interactive Brokers — the world's most trusted brokerage
Every Vault account is opened directly with Interactive Brokers in your name. Not pooled. Not omnibus. A segregated brokerage account that belongs to you, held by one of the most supervised brokerages in the world.
01
Account in your name
Not pooled, not omnibus. A segregated brokerage account that belongs to you.
02
Globally regulated
Regulated by SEC, CFTC, FINRA, and NFA. One of the most supervised brokerages in the world.
03
Offshore
Your account sits outside the UAE — international jurisdiction, global market access.
04
Funded by you
You fund the account directly. Your assets are held by IBKR, one of the world's largest brokers.
130+
Markets accessible through IBKR globally
33
Countries covered across the IBKR network
25
Currencies supported within a single account
Same brokerage. Different experience.
IBKR is built for the full spectrum of professional traders — sixty-four product types, infinite combinations, dense interfaces. Most investors don’t need that surface area. They need a clear menu, an advisor on the line, and confidence the plumbing underneath is institutional.
The IBKR menu
64+ product types, 130+ markets, infinite complexity
- US equities, international stocks, ADRs, GDRs
- Options, futures, forex, CFDs, warrants
- Bonds — T-bills, corporate, municipal
- Mutual funds, ETFs, hedge funds
- Crypto, commodities, metals
- Structured products, swaps, FX forwards
- Margin lending, portfolio margin, securities lending
- Algo trading, TWS desktop, IBKR APIs
The Vault experience
Curated. Clear. Advisor-guided.
- SmartCash — high-yield cash management
- Diversified expert-built portfolios
- Hand-selected private market opportunities
- Thematic portfolios — invest in themes you believe in
- Build your own portfolio — tailored to you
Same kitchen. Different experience.
What Vault adds on top of IBKR
IBKR provides the regulated, segregated infrastructure. Vault provides the journey, the advisory overlay, and the digital interface designed for wealth — not day-trading.
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Digital + advisor journey
Vault opens your IBKR account for you — a guided onboarding rather than a do-it-yourself form.
02
Dedicated relationship manager
A named RM is assigned to your account from day one.
03
Advisory overlay
Professional advisory over your portfolio — allocation, risk, rebalancing, and ongoing review.
04
Vault platform
A clean digital interface built on top of IBKR's regulated infrastructure.
Your account is open. Your funds are offshore. Now — how should you hold your cash?
Either way, your cash is held offshore and protected. Both are strong choices — but SmartCash is designed to be potentially safer and higher-yielding than leaving USD idle.
Option 1
USD cash in IBKR
- Held offshore in the US within your IBKR account
- FDIC protection on eligible USD cash balances
- Regulated by SEC and FINRA — one of the world's most supervised brokerages
Option 2
Cash in SmartCash
- Held offshore — diversified across A-rated European banks with daily rotation
- 105%+ collateral protection on every overnight deposit
- Higher overnight rates — transparent, market-driven returns
- Daily liquidity — withdraw anytime, no lock-in, no penalties
- Potentially safer and higher-yielding than holding idle cash
The overnight cycle that protects your cash
SmartCash (SMTC) is an Ireland-domiciled money market fund managed by Amundi — one of Europe’s largest asset managers. Here’s how it works, every single day.
01
Your cash
Moves into SmartCash (SMTC) within your IBKR account.
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Fund manager
Amundi manages billions in USD and places an overnight deposit each day.
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A-rated bank
Receives the deposit overnight against more-than-equivalent collateral.
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The cycle repeats
Next morning, the deposit returns with interest. The cycle begins again.
Interest rates you deserve
Rates are determined by central banks — transparent, not promotional. Daily liquid. No lock-in. No penalties. $5,000 minimum.
A single rope vs a reinforced cable
A traditional bank deposit is a single point of failure: you hand the bank your money, and the bank lends it out. SmartCash never lends your cash unsecured — every overnight deposit is collateralised and rotated.
Traditional bank
A single rope
- Your deposit goes to the bank
- The bank lends it out — mortgages, loans, investments
- You rely on the bank remaining solvent
- Deposit insurance has limits and slow payouts
SmartCash
A reinforced cable
- Overnight deposits only — never locked up
- 105%+ collateral held on every deposit
- A-rated European bank counterparties
- Fund manager selects daily — billions under management
- Ireland-domiciled, UCITS-regulated fund
Three steps. That's it.
01
Fund your account
Transfer funds into your IBKR brokerage account — your money, in your name.
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Place in SmartCash
Digitally place in SmartCash, or let your dedicated advisor help you.
03
Done
Start earning daily interest. Withdraw anytime. No penalties, no lock-in.
Start earning on your idle cash — the smart way.
Talk to a Vault advisor about opening your IBKR account and moving idle USD, GBP, or EUR into SmartCash.