Futureproof has not launched. What is described here is the planned design. Details of the service, including how the interest-bearing part is provided, may change before launch.
Three compositions. Three allocations.
You choose one of three compositions. Each composition has a fixed target allocation across Bitcoin, gold and interest-bearing assets, and a permitted range per asset. No composition is preselected and none is a recommendation.
Conservative
Bitcoin 15 % · Gold 25 % · Interest-bearing 60 %
May sit between 8 and 22%Range ± 7 percentage points
May sit between 15 and 35%Range ± 10 percentage points
May sit between 48 and 72%Range ± 12 percentage points
Balanced
Bitcoin 30 % · Gold 30 % · Interest-bearing 40 %
May sit between 19 and 41%Range ± 11 percentage points
May sit between 19 and 41%Range ± 11 percentage points
May sit between 28 and 52%Range ± 12 percentage points
Growth
Bitcoin 45 % · Gold 30 % · Interest-bearing 25 %
May sit between 32 and 58%Range ± 13 percentage points
May sit between 19 and 41%Range ± 11 percentage points
May sit between 15 and 35%Range ± 10 percentage points
From sign-up to a finished portfolio.
01
Account and identification
This is how the product is intended to work when it opens: you identify yourself, and the account is opened with a licensed bank partner. Accounts, custody and execution are provided by licensed external partners, crypto services through a partner authorised under MiCA. None of this is possible today, the service has not launched yet.
02
Choose a composition
Conservative, Balanced or Growth. Each composition has a target allocation and a permitted range.
03
Set amount and monthly savings
A one-off deposit, a monthly amount or both. You can raise, lower or pause it whenever you want.
04
You approve every change
Deposits are placed according to the target allocation. If an asset moves outside its range you get a proposal, and nothing happens until you approve it.
05
Follow every event
Every deposit and adjustment is logged with time, amount and reason. You can withdraw your money whenever you want.
You should always know what your money is doing.
Every event is shown with time, asset, action, amount and reason.
Every buy. Every sale. Every adjustment.
Activity
Example
- 12:42Buy Bitcoin1,250 SEK
The BTC weight was 3.1 percentage points below target. The deposit was allocated to BTC per your strategy.
- 16:18Sell gold840 SEK
The gold share was 11.4 percentage points above target and passed your range of 11 percentage points. The order restores your target weights.
- 09:05Buy interest-bearing assets2,000 SEK
The monthly deposit was collected and allocated according to your chosen strategy.
Automatic does not mean locked in.
You can pause, switch composition or close your account whenever you want.
- Pause your saving whenever you want
- Switch composition
- See every holding
- Follow every transaction
- Withdraw your money
You choose the composition. The AI explains.
The AI makes no decisions and never suggests trades. It explains what happened in your portfolio, why a proposed adjustment appeared and how different scenarios could affect your savings.
"Why did Futureproof buy Bitcoin today?"
AIThe BTC weight was 3.1 percentage points below your target after a drop. Following your chosen strategy, today's deposit was allocated to Bitcoin to return to the target allocation.
"How would my portfolio handle a larger decline?"
AIIn a scenario where Bitcoin falls 40% and gold is unchanged, the whole portfolio moves around 14% given your current weights. The interest-bearing sleeve dampens the move.
"Why has my Bitcoin weight changed?"
AIBitcoin has risen faster than the other holdings since the last rebalance. The share is now 2.4 percentage points above your target. Your range for bitcoin is 11 percentage points, so no order has been placed.
The AI explains. It does not predict the market and makes no decisions for you.
What people usually ask.
- What is Futureproof?
- Saving in Bitcoin, gold and interest-bearing assets. You choose one of three compositions and an amount. If the allocation moves outside its range, you get a proposal for how the portfolio can be adjusted, and you approve it yourself.
- Which accounts do I get?
- A SEK account for deposits and withdrawals with your bank partner, a BTC account where you hold plain bitcoin separately with transfers to and from your own wallet, and your portfolio funded from either account. Accounts, custody and execution are provided by licensed external partners.
- Do I own the assets?
- Yes. The assets are held on your behalf by your regulated custody partner, crypto services through a partner authorised under MiCA. Futureproof owns the product and the customer experience, not the custody.
- Can I withdraw my money whenever I want?
- Yes. There is no lock-in period. You sell the part you want and the money lands in your SEK account with your bank partner. If you would rather keep the assets, you can request a withdrawal to self custody at any time.
- How risky is it?
- The value can go both up and down. Bitcoin accounts for the largest movements, while gold and the interest-bearing part have historically moved differently. You choose one of the three compositions yourself.
- How do I get started?
- The service has not launched yet. Join the waitlist and we will be in touch when we open. Once it opens you identify yourself, choose one of three compositions and set your amount. You can switch composition or pause whenever you want.
Be there from the start
The service has not launched yet. Join the waitlist and we will be in touch when we open.
Investing involves risk. Your savings can go both up and down in value.