Your Capital.
Strictly Segregated.
Statutorily Protected.
Trade global markets with complete confidence. Investiya (Pty) Ltd operates under the strict regulatory oversight of South Africa's Financial Sector Conduct Authority (FSCA). Your deposits are held in ring-fenced Tier-1 bank accounts, shielded by negative balance protection, and backed by government-backed statutory legal recourse.
Segregated
Kept entirely separate from company operational accounts
Custody
Stored with leading, AAA-rated commercial banking institutions
(~$45,000 USD)
Independent government dispute resolution & binding compensation
Minimum
Automatic margin stop-outs ensure you never owe more than you fund
*Statutory award limit is fixed at ZAR 800,000 under the FAIS Act; USD equivalent is indicative based on prevailing exchange rates.
Four Core Pillars of Protection
Pillar 1: Regulatory Oversight by the FSCA
Investiya (Pty) Ltd is licensed and supervised by the Financial Sector Conduct Authority (FSCA) under FSP License No. 53080, adhering to the highest standards of financial conduct and market integrity under the Financial Advisory and Intermediary Services (FAIS) Act (Act 37 of 2002).
- Strict compliance audits conducted by certified external compliance officers.
- Rigorous capital adequacy requirements ensuring permanent broker liquidity.
- Direct supervision by one of EMEA's most respected financial regulators.
Pillar 2: 100% Segregated Tier-1 Bank Accounts
Under South African financial services law, client money is never the property of the broker. All client deposits are transferred directly into dedicated, segregated client trust accounts held at top-tier South African commercial banks.
- Off-Balance Sheet: Client money is legally ring-fenced and kept off Investiya's balance sheet.
- Zero Operational Use: Client funds are never utilized for company expenses, marketing, staffing, or broker hedging operations.
- Insolvency Safeguard: In the event of unforeseen company restructuring, client balances remain completely protected from creditors.
Pillar 3: Independent Statutory Recourse (FAIS Ombud)
Unlike offshore brokers where disputes are handled internally, all Investiya clients have automatic statutory rights to the Office of the FAIS Ombud—an independent statutory authority with court-enforced legal standing.
- Completely Free Recourse: Retail traders can submit formal dispute complaints at zero cost if an internal inquiry is not resolved.
- Binding Monetary Awards: The Ombud possesses legal authority to order compensation awards of up to R800,000 (~$45,000 USD) per claim.
- Independent Jurisdiction: Oversight is governed directly by South African statutory law, ensuring neutral and transparent decisions.
Pillar 4: Comprehensive Professional Indemnity & Fidelity Cover
In full adherence to Board Notice 194 of 2017 (Fit & Proper Requirements), Investiya maintains institutional-grade commercial insurance policies to protect clients from operational and systemic risks.
- Professional Indemnity (PI) Insurance: Protects client capital against administrative mistakes, technical discrepancies, or operational negligence.
- Fidelity Guarantee Cover: Insures against employee misconduct, unauthorized account handling, or internal fraud.
- Policies underwritten by leading institutional insurance providers in South Africa.
Operational & Technology Safeguards
Guaranteed Negative Balance Protection
Volatile market events and weekend price gaps can trigger rapid slippage. With Investiya's automated risk management engine, your account balance will never slip into debt. If extreme volatility exhausts your margin, your account balance is reset to zero—you will never owe the broker additional capital.
Enterprise Data Encryption (256-Bit SSL & TLS 1.3)
All financial transmissions, client verification files, and trading orders are safeguarded by bank-grade 256-bit SSL encryption. We enforce multi-factor authentication (2FA) across user dashboards to eliminate unauthorized withdrawals or account tampering.
FICA & Anti-Money Laundering (AML) Compliance
In accordance with the Financial Intelligence Centre Act (FICA), we enforce identity verification on all funding accounts. Withdrawals are processed exclusively back to bank accounts and wallets matching the trader's verified identity, protecting against account takeovers and financial fraud.
Guaranteed Negative Balance Protection
Volatile market events and weekend price gaps can trigger rapid slippage. With Investiya's automated risk management engine, your account balance will never slip into debt. If extreme volatility exhausts your margin, your account balance is reset to zero—you will never owe the broker additional capital.
Enterprise Data Encryption (256-Bit SSL & TLS 1.3)
All financial transmissions, client verification files, and trading orders are safeguarded by bank-grade 256-bit SSL encryption. We enforce multi-factor authentication (2FA) across user dashboards to eliminate unauthorized withdrawals or account tampering.
FICA & Anti-Money Laundering (AML) Compliance
In accordance with the Financial Intelligence Centre Act (FICA), we enforce identity verification on all funding accounts. Withdrawals are processed exclusively back to bank accounts and wallets matching the trader's verified identity, protecting against account takeovers and financial fraud.
How Your Capital Moves: Deposit-to-Withdrawal Cycle
Instant Funding
Deposit: Your capital moves through encrypted, PCI-DSS-compliant payment gateways.
Segregated Vault
Custody: Funds bypass operational books and sit directly in a segregated client trust account.
Live Trading Account
Trading: Your margin balance displays in MT5. Unused capital remains ring-fenced.
Verified Processing
Withdrawal: Payouts undergo rapid AML validation to confirm identity and account ownership.
Fast Payout
Delivery: Funds are sent directly back to the original funding account without unnecessary delays.
Instant Funding
Deposit: Your capital moves through encrypted, PCI-DSS-compliant payment gateways.
Segregated Vault
Custody: Funds bypass operational books and sit directly in a segregated client trust account.
Live Trading Account
Trading: Your margin balance displays in MT5. Unused capital remains ring-fenced.
Verified Processing
Withdrawal: Payouts undergo rapid AML validation to confirm identity and account ownership.
Fast Payout
Delivery: Funds are sent directly back to the original funding account without unnecessary delays.
Official Regulatory Transparency Box
Regulatory Registry & Statutory Contact Information
Investiya (Pty) Ltd
- Legal Entity
- Investiya (Pty) Ltd
- Registration Number
- 2023 / 593128 / 07
- Regulatory Authority
- Financial Sector Conduct Authority (FSCA), South Africa
- FSP License Number
- FSP 53080
- Registered Physical Address
- 13 Brand Road Davenport Durban Kwa-Zulu Natal 4001
External Dispute Resolution Notice:
In accordance with the FAIS General Code of Conduct, clients who have submitted a formal complaint that remains unresolved through our internal complaints process within six (6) weeks are entitled to refer their grievance to the independent Office of the FAIS Ombud:
Statutory Authority: Office of the Ombud for Financial Services Providers
Physical Address: Menlyn Central Office Building, 125 Dallas Avenue, Waterkloof Glen, Pretoria, 0010
Telephone: +27 12 762 5000 / +27 12 470 9080
Email: info@faisombud.co.za
Website: www.faisombud.co.za
Statutory Award Limit: Up to ZAR 800,000 (approx. $45,000 USD) per claim
Trade with an Institutional Foundation
Benefit from segregated client accounts, negative balance protection, and transparent, regulated execution.