Pasiv Financial Ltd. (Pasiv) is a company that develops financial technology for individual investors and other financial services providers.

Pasiv is regulated by the DFSA (Dubai Financial Services Authority) and has built a fintech platform that allows users to invest in US securities, execute trades and obtain financial information directly within a chat screen, through interaction with an artificial intelligence (virtual assistant).

Pasiv is incorporated at the Dubai International Financial Center (DIFC). Pasiv's aim is to improve the investing experience and simplify access to financial markets and financial information, so self-directed investors can make informed investing decisions regarding their money and their portfolio. Pasiv's A.I. does not provide any financial advice, tips or recommendations on securities to buy or sell.

License # : CL 3527
Authorization # : F006425

Pasiv began in 2019 as a concept and sketch of a long term investing app that could improve outcomes for investors in stocks & ETFs.

In 2020 Pasiv affiliated with US based ChoiceTrade to refer international investors interested in US products & services.

Brokerage Affiliation

Pasiv has affiliated with ChoiceTrade, a regulated securities broker in the United States that has been in business for 20+ years. U.S. securities and products are provided through ChoiceTrade.

Pasiv does not hold customer funds, nor is it licensed to be a custodian of funds. Customer funds are held at ChoiceTrade's clearing firm, Velox Clearing, a regulated entity providing custodianship for all Pasiv's users' funds & securities. ChoiceTrade has been approved by FINRA and the SEC, the primary markets authorities in the USA, to offer investing accounts to the public. All ChoiceTrade's users funds are insured by the SIPC for upto $500,000.

Our Approach to Sustainability

Whilst sustainability is still a new & emerging concept in the investing space, research shows that firms that are committed to doing good for the planet also perform better than the overall market.

Higher ESG scores correlate with outperformance. At Pasiv, we're constantly examining newly available sustainability data, and make this information available on our platform wherever possible, so you can make a more informed decision when aligning your wealth with your beliefs

In 2021, Pasiv demonstrated to the public a prototype capable of finding ETFs based on their ESG score and placing trades by chat.

In 2022 Pasiv was granted a regulatory license in Dubai by the DFSA to arrange investments in stocks & ETFs with a retail endorsement.

Why We Created Pasiv

Because financial wellness matters.
Our experience investing has taught us that anyone can grow wealth through consistency, diversification and discipline. But our lives tend to move in less of a straight line from job security to global economic crises we are forced to navigate every once in a while. We created Pasiv as a tool to help you navigate the storm, weave into this new generation's lifestyle and work in the background to help you attain financial wellness.

Replicating the habits of successful money managers requires financial literacy. Not everyone can afford a dedicated portfolio assistant or a professional to teach them finance. Back in 2019 we thought - maybe they don't have to. And we set out to build something better for less; a smart portfolio A.I.


Microinvesting is a beacon of financial empowerment, illuminating a path to prosperity for those who might have felt excluded from traditional investment avenues. It's the realization that you don't need a fortune to start building one.

At Pasiv, we're about making every transaction count, every dollar work, and every individual experience the 8th wonder of the world; compounding. When retirement often seems like a distant shore, microinvesting offers a lifeboat.

In 2023, Pasiv unveiled the region's first microinvesting platform at GITEX Fintech Surge in Dubai Harbor.

Our Team

The Pasiv team's mission is to enrich the experience of wealth management, with cutting edge tools and artificial intelligence. Part of this mission means making investing accessible and affordable to the average investor. Our incredibly talented and dedicated crew of fintech enthusiasts make this possible behind the scenes.

Founder & CEO
Compliance & AML
Finance & Reporting