Istanbul · AI-native wealth & asset management
Institutional investing, made personal by AI.
Cinar Wealth brings together a proprietary AI engine and advisors who have managed capital at the world's leading banks and funds. We read markets in real time, personalise every portfolio, and keep an experienced human on every decision. Private-bank service, quant-fund rigour, one platform.
AI-driven wealth and asset management for private clients, family offices and institutions
Family officesPension funds
EndowmentsPrivate clients
Why Cinar
A quant-grade engine, a private-bank touch.
We pair an institutional AI research stack with advisors who have run capital through three market cycles. Technology finds the edge; people keep it human.
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Adaptive portfolios
Every mandate is a living portfolio. Our models rebalance to your goals, liquidity needs and risk appetite as conditions move, not on a fixed quarterly calendar.
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Explainable AI
No black boxes. Every allocation ships with the drivers behind it, so you and your advisor always understand the why before the what.
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Institutional guardrails
Risk, compliance and drawdown limits are enforced in code and reviewed by our investment committee. Speed without recklessness.
Cinar by the numbers
Scale that earns trust.
$4.3B
Assets under management
Across private, family-office and institutional mandates.
4,500+
Clients worldwide
Private investors, families and institutions.
120+
Institutional partners
Banks, custodians, advisors and family offices.
24
Countries served
Through direct access and partner networks.
2,000+
Investment products
Curated across public and private markets.
8
Asset classes
From equities to private markets, one dashboard.
Proven where it counts
Results our clients can measure.
Across strategies, Cinar mandates have outperformed their blended benchmarks while holding volatility below peer medians. Discipline compounds.
- ✦+210 bps average annual alpha over the blended benchmark across flagship mandates (three-year).
- ✦15% lower realised volatility than peer-median balanced portfolios.
- ✦92% of client goals on or ahead of plan at the last review.
Explore performance →
Flagship Balanced vs Benchmark
Growth of $1,000 · net of fees
Cinar Balanced
Blended benchmark
Private access
Ready to see what an AI-native manager can do for your capital?
Book a confidential portfolio review. No obligation, no jargon.
Request access →
The engine
An AI research desk that never sleeps.
Cinar OS is our proprietary intelligence layer: a pipeline that ingests markets, news and alternative data, forms views, and translates them into portfolio actions, always with a human in the loop.
Four layers, one continuous loop
Data becomes signal, signal becomes conviction, and conviction becomes a position. Every position then feeds back into the models. The loop runs 24/7 across time zones.
- →Ingest: 3.2B market, macro, filings and alternative-data points a day, normalised in seconds.
- →Reason: an ensemble of forecasting, regime-detection and LLM research agents.
- →Construct: risk-aware optimisation, personalised to each mandate.
- →Oversee: investment committee and compliance review before anything trades.
Signal ingestion
Pricing, fundamentals, macro releases, ESG and sentiment streams unified into a single real-time feature store.
Model ensemble
Gradient-boosted forecasters, regime classifiers and research LLMs cross-check each other; disagreement raises a flag, not a trade.
Portfolio construction
Convex optimisation with your constraints (tax lots, liquidity, exclusions) built in from the start.
Human oversight
Every material change is explainable and signed off. Advisors add the context a model can't see.
Proprietary AI
Two systems doing the work of a research desk.
Cinar OS is powered by two proprietary engines, built in-house and named for how they serve you: a sage and a compass.
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Research & advisory copilot
BILGE
Turkish for the sage. BILGE reads filings, transcripts and news the moment they land, briefs your advisor in plain language, and answers client questions with sources attached, so every conversation starts informed.
- →Real-time research synthesis across your holdings
- →Plain-language answers with citations, never a black box
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Portfolio & risk engine
PUSULA
Turkish for the compass. PUSULA constructs and stress-tests every portfolio, from regime-aware allocation to tax-lot optimisation and overnight Monte-Carlo, then routes proposals to a human before anything trades.
- →Personalised construction under your constraints
- →Compliance checks in seconds, not days
Capabilities
What the platform does for you.
Forecasting
Regime-aware allocation
Models detect shifts between growth, inflationary and risk-off regimes and reposition ahead of the crowd, within your guardrails.
Personalisation
Portfolio of one
Two clients with the same risk score rarely hold the same book. Tax status, values and cashflow shape every weight.
Risk
Continuous stress-testing
Overnight Monte-Carlo and scenario runs re-price tail risk across thousands of paths, every single day.
Research
LLM analyst agents
Agents read filings, transcripts and news the moment they drop, surfacing what matters to your holdings in plain language.
Tax
Always-on optimisation
Tax-loss harvesting and lot selection run continuously, not once a year, quietly improving after-tax return.
Transparency
Explainability by default
Every recommendation carries its top drivers and confidence, exportable for your records or your accountant.
Security & governance
Built to institutional standards, audited like one.
EncryptionData encrypted in transit and at rest; segregated client environments.
Human sign-offNo model trades unsupervised. Committee oversight on every mandate.
Model riskIndependent validation, versioning and drift monitoring on all models.
AuditabilityEvery decision is logged, explainable and reproducible end to end.
Solutions
One platform. Every kind of capital.
Whether you steward a family's legacy or a pension's liabilities, the same intelligence engine flexes to your mandate.
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Private clients
Private wealth management
Discretionary and advisory portfolios for individuals and families, with AI-personalised allocation, tax optimisation and a dedicated advisor.
DiscretionaryTax-awareMulti-currency
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Family offices
Family office services
Consolidated reporting, multi-manager oversight and bespoke mandates across public and private markets, with governance built for generations.
ConsolidationPrivate marketsSuccession
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Institutions
Institutional asset management
Liability-aware strategies for pensions, endowments and insurers, spanning factor portfolios, LDI overlays and systematic risk premia at scale.
LDIFactorOverlay
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Wealth-tech
White-label infrastructure
Banks, advisors and platforms run Cinar OS under their own brand. Our AI engine, construction and reporting are delivered by API and can go live in as little as 24 to 48 hours.
API-firstWhite-labelRM tools
One dashboard
Eight asset classes, publicly and privately.
Access what used to sit behind an institutional wall, now curated, monitored and rebalanced by Cinar OS.
Equities & ETFsPublic markets
Bonds & fixed incomeIncome
Mutual & index fundsDiversified
Hedge fundsAlternatives
Private equityPrivate markets
Private creditPrivate markets
Structured productsDefined outcome
Pre-IPO & thematicGrowth
How onboarding works
From first conversation to funded in days, not months.
Discovery
We map your goals, constraints, tax position and values in a confidential review.
Proposal
Cinar OS builds a tailored mandate and shows you the reasoning behind every weight.
Onboarding
Digital, KYC-compliant account opening with your existing custodian or ours.
Live oversight
Real-time dashboards, advisor access and quarterly deep-dives keep you in control.
What clients value
Built around how clients actually invest.
Transparency
See the why, not just the what
Every allocation arrives with the reasoning and the drivers behind it, so boards and individuals can hold delegated capital to account.
Responsiveness
Positioned in real time
Portfolios adapt as conditions move rather than on a fixed quarterly cycle, always within the risk limits agreed with you.
Local & global
Global markets, your time zone
An Istanbul-rooted team fluent in global markets, covering every major session from the Asian open to the US close.
Results
Performance you can interrogate.
Net-of-fee performance for our flagship mandates, measured against a defined blended market benchmark. Past performance is not a reliable indicator of future results.
+210bps
Avg annual alpha (3-yr)
Flagship Balanced vs blended benchmark.
0.78
Sharpe ratio
Versus 0.55 peer median.
15%
Lower volatility
Than the peer-median balanced portfolio.
92%
Goals on track
Client objectives on or ahead of plan.
Growth of $1,000
Flagship Balanced vs benchmark · since inception (2022)
Cinar Balanced
Blended benchmark
Annual return by strategy
Net of fees · trailing 12 months
Strategy return, direct-labelled
Flagship asset allocation
Representative multi-asset mandate
Drawdown control
Max peak-to-trough vs peer median
Cinar
Peer median
Performance is shown net of fees for a representative flagship mandate since inception in 2022. The blended benchmark is a 60/40 composite of global equities (MSCI ACWI) and global bonds (Bloomberg Global Aggregate), rebalanced monthly. The value of investments can fall as well as rise, and you may get back less than you invested; past performance is not a reliable indicator of future results.
About
Named for the tree that outlives empires.
The cinar, the Oriental plane, has shaded Istanbul's courtyards for centuries: deep-rooted, ever-branching, built to endure. It is how we think about capital, and about the intelligence that grows around it.
Our story
Cinar Wealth was founded in Istanbul by portfolio managers and machine-learning researchers who had spent their careers at the world's leading banks, funds and technology firms, and who were tired of a false choice: the warmth of a private bank or the rigour of a quant fund. We built a firm that refuses to pick.
That pedigree is the foundation of one of Turkiye's leading AI-native wealth managers. From day one we have operated globally, because our clients, and the markets they invest in, never stopped at a border. Today our engine runs continuously from our Istanbul headquarters, serving clients across markets worldwide, and every mandate still traces back to a conversation and a handshake.
Judgement, augmented
Models widen what a person can see; people decide what a model should do.
Radical transparency
If we can't explain it, we don't hold it. Clarity is a feature, not a courtesy.
Built to endure
We optimise for compounding across cycles, not headlines in a quarter.
Regulated & secure
Authorised, regulated and secure.
Cinar is an authorised and regulated portfolio manager in Turkiye, not a wrapper on someone else's licence. Client assets sit with independent, tier-one custodians, segregated and held in your name.
CMB (SPK)Turkiye · portfolio management licence
MASAKTurkiye · AML registration
Certifications & memberships
ISO/IEC 27001Information security
SOC 2 Type IIControls audited
KVKK & GDPRData protection
Borsa IstanbulExchange member
TSPBTurkish Capital Markets Assoc.
CFA InstituteMember firm
Client assets are held with independent, tier-one custodians, segregated from firm assets and never commingled.
Leadership
A senior bench, drawn from the top of the industry.
Our leaders have run multi-billion-dollar books, built systematic trading platforms and led AI research at some of the world's most demanding institutions. That experience shapes how we invest for every client.
Defne Yildirim
Founder & Chief Executive Officer
Defne founded Cinar Wealth to bring institutional-grade, AI-driven investing to private and institutional clients across Turkiye and beyond. Over more than two decades in global wealth management she held senior leadership roles at UBS and Morgan Stanley, having begun her career at Garanti BBVA in Istanbul. She holds a degree from Bogazici University and an MBA from London Business School, and today sets the firm's strategy, culture and long-term vision while chairing the investment oversight committee.
Deniz Arslan
Chief Investment Officer
Deniz leads Cinar Wealth's investment strategy and oversees Cinar OS, the firm's proprietary AI investment engine. A CFA charterholder with more than twenty years across public and private markets, he managed systematic and discretionary portfolios at Man Group and BlackRock after beginning his career at Goldman Sachs. He studied at Middle East Technical University (METU) and holds an MSc in Mathematical Finance from the University of Oxford, and owns asset allocation, portfolio construction and the research process at Cinar.
Sena Demir
Head of AI Research
Sena leads the research team behind Cinar OS, from forecasting and regime detection to the firm's LLM-based analyst agents. She earned a PhD in Machine Learning from ETH Zurich following an undergraduate degree at Bilkent University, and previously conducted research at Google DeepMind and Microsoft Research. Her work focuses on turning frontier AI into explainable, production-grade tools that advisors and clients can trust.
Mert Kilic
Chief Risk Officer
Mert leads risk management, compliance and the control frameworks that keep client capital secure. He spent two decades in market and enterprise risk at Barclays and HSBC, having started his career at Akbank in Istanbul, and holds a degree from Istanbul Technical University with an MSc in Risk and Finance from the London School of Economics. At Cinar he ensures every model, mandate and decision operates within clearly defined limits and meets regulators' standards.
20+ yrs
Avg leadership experience
At leading global institutions.
100+
Investment & engineering team
Quants, ML and data scientists.
24
Markets served
Clients across 24 countries.
2022
Founded
In Istanbul, Turkiye.
250
Team members
Based at our Istanbul headquarters.
40%
In research & engineering
Quants, ML and data scientists.
$4.3B
Assets under management
On behalf of clients worldwide.