Kubera vs Masttro
Enterprise wealth-tech for family offices, against a balance sheet the family runs itself. It comes down to whether you have staff.
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about kubera
about kubera
Masttro is built for family offices and the banks and advisers who serve ultra-high-net-worth families: 700+ custodian feeds, AI that reads capital-call notices and K-1s, a map of every entity, a Swiss-hosted private cloud, and a fixed annual licence sold by quote. Kubera is the balance sheet a family can run without an office: $2,500 a year for Black, and for advisers a White Label priced like modern software, a flat monthly fee per client with no contract, live the same day. Which one fits depends on whether you have staff.
Facts checked on 5 October 2026. Competitor prices and limits come from their own sites and help centres where they publish them; where they do not, the page says who reported the figure.
| Kubera | Masttro | |
|---|---|---|
| Who it is sold to | Families and individuals (Black); advisers and family offices (White Label). | Single and multi-family offices, RIAs, private banks and institutions serving UHNW clients. |
| Price | Black $2,500 a year. White Label: a flat monthly fee per client portfolio, not a percentage of assets, month to month, no implementation fee. A small fraction of the figure in the next column. | Fixed annual subscription, not based on assets, by quote; no public rates. Reported at $50K–$150K+ a year (X1 Wealth), not confirmed by Masttro. |
| Time to live | Minutes for a family; White Label setup starts within 24 hours. | Onboarding reported at 12–14 weeks, 6–9 months for complex setups (Asora, Aleta). |
| Entities | Nested portfolios: each person, trust or entity has its own portfolio, rolled up into one family view with per-portfolio access. Ownership tags at portfolio, sheet, section or asset level. | Global Wealth Map of entities and ownership; institutional entity structures. |
| Alternatives | Commitments, calls and distributions on a schedule, IRR per position, documents attached; AI import reads statements. | Documents AI processes capital calls, K-1s and distribution notices; Alternatives AI; private-asset coverage. |
| Connections | 20,000+ institutions in 40+ countries through nine aggregators; crypto exchanges and 18 chains; Web Sync for the rest. | 700+ direct custodian connections, no screen-scraping, per Masttro; 40+ countries. |
| AI | Read-only connection to ChatGPT, Claude, Grok and other assistants, switchable off firm-wide. | Masttro Intelligence, a conversational assistant inside the platform. |
| Security | SOC 2 Type II report under NDA; no stored credentials; cannot move money. | ISO/IEC 27001:2022; Swiss-hosted private infrastructure. |
| Client portal | Branded portal per client on White Label; collaborators on every plan. | White-label portals and a mobile app. |
| If you die | Dead Man’s Switch sends the family’s data to the person named. | Succession handled by the office. |
Masttro assumes an office. Its strongest features are the ones an operations team uses every day: documents AI that turns a capital-call notice into a ledger entry, 700+ custodian feeds, an entity map across jurisdictions, enterprise controls. The onboarding third parties report, twelve to fourteen weeks and longer for complex setups, is what it takes to wire that up properly. For a family office with people, that is the right tool and a reasonable timeline.
Kubera assumes the family, or one adviser, will do it themselves. Nested portfolios give each person, trust and entity its own portfolio and roll them up into one view; ownership tags split a shared asset; collaborators get the access they should and no more; the AI import reads a statement so nobody re-types it. It is live the day you sign up, and Black costs $2,500 a year.
This is the legacy model: a quote, an annual licence, an onboarding fee, and a procurement cycle before anyone sees a screen. Masttro prices a fixed annual licence by quote, explicitly not based on assets, with no public rates. The only number in circulation is X1 Wealth’s “$50,000 to $150,000 and up a year”, which Masttro has not confirmed. Third parties also describe a one-time onboarding fee, amount unpublished.
Kubera Black is $2,500 a year for a family. Kubera White Label is priced like modern software: a flat monthly fee per client portfolio for an adviser or office, not a percentage of assets, no contract, no implementation fee, and a quote that takes one email. A client with $2 million costs the same as one with $2 billion, and a whole practice costs a small fraction of a legacy platform licence.
Document processing at scale, custodian feeds measured in the hundreds, institutional entity accounting, a private Swiss-hosted cloud, and a vendor whose whole business is offices like yours. If a family’s wealth runs through dozens of partnerships and a team reconciles it monthly, Kubera will feel like the wrong size, and it is.
Price, speed and the parts of a family’s wealth that are not institutional: the crypto wallets, the collectibles, the house, the accounts at four banks in three countries, the angel cheques. Kubera connects all of it, shows it to each family member at the level they are allowed to see, lets them ask Claude or ChatGPT about it read-only, and sends the whole record to a named person if the principal goes quiet. Several family offices run a platform for the office and Kubera for the family; the two are not exclusive.
“Kubera Black is an outstanding wealth management platform; powerful, intuitive, and secure. It seamlessly aggregates multi-currency portfolios, crypto, real estate, and alternative assets into a single dashboard.”
“For my situation, two working VHNW professions, I wanted a single pane of glass to manage multiple accounts easily. Plus, the 'break glass' feature, makes sure if something happens to me, information is well organized, is priceless.”
“After Mint shut down, I went many years tracking accounts manually. As my financial life became more complex with trusts and additional accounts, the problem only got worse. Kubera has been a blessing.”
