Out-of-Sample Performance (2023-2025)

Proven in Stress. Efficient in Growth.

The Refinity© Strategy delivers institutional-grade risk-adjusted returns, minimizing drawdown while maximizing compounding efficiency.

Refinity© StrategySHARPE 4.38
S&P 500 (SPY)SHARPE 1.00
CUMULATIVE RETURN
69.3% +22.5% p.a.
VOLATILITY
3.7% LOW
+80%+60%+40%+20%0%
Apr '23Oct '23Apr '24Oct '24Apr '25Oct '25
Sharpe Ratio
4.38
vs 1.00 (SPY). 4.3x Efficiency.
Max Drawdown
-1.08%
vs -19.73% (SPY). Capital Protected.
Annual Return (CAGR)
22.47%
Consistent compounding.
Asset Universe
292
Liquid U.S. Equities. Broad diversification.
Hypothetical Performance DisclaimerSource: "RF-RL Regime Strategy Portfolio Returns Estimate" (Nov 2025). Data reflects historical out-of-sample performance (2023-04-18 to 2025-10-17) for the Refinity© Strategy portfolio, constructed by equal-weighting 292 liquid U.S. equities selected via fundamental and robustness filters. The results are simulated and do not represent actual trading. Past performance is not indicative of future results. The Sharpe Ratio of 4.38 and Max Drawdown of -1.08% are based on daily returns net of estimated trading costs (0.025% daily drag) and risk-free rate (4.25%).

How ReFi.Trading works

Connect your broker

Assets remain in your control.

Set risk limits

Every order passes a zero-knowledge check.

Launch your agent

Stop or resume with one click.

Trusted Partners

Collaborating with industry leaders to build the future of AI trading

Edmonton Unlimited

Alberta Innovates

Alberta Machine Intelligence Institute (Amii)

ventureLAB Innovation Hub

MongoDB for Startups Program

Google for Startups Accelerator

Chainlink Labs

Alpaca Markets

Tradier Brokerage

Interactive Brokers

Interested in partnering with us? Get in touch

User Segments

Verified execution.

Automate execution 24/7 without waking up for markets. Keep full control of your strategy.

Live strategy with verified limits

Trust and Safety

Six layers of protection ensuring safety and control.

Your Broker Supervises

Assets stay at IBKR or Questrade. You keep custody. We execute via API.

You Control Risk

Define your limits. The system optimizes within your specific constraints.

Atomic Dual-Proof Gate

Execution requires simultaneous success of zk-VaR (Math) and Chainlink ACE (Compliance) proofs.

Progressive Exposure Caps

Start small. Scale limits only as you verify the system's performance.

Stop anytime with a kill switch

Stop trading instantly. You always have the final override.

Compliance by Design

Region-by-region compliance verification through Chainlink ACE ensures adherence to local regulations and sanctions lists.

ReFi.Trading does not hold assets • ReFi.Trading does not provide advice

Proof Engine

The Atomic Dual-Proof Gate. Execution requires simultaneous quantitative (zk-VaR) and qualitative (Chainlink ACE) verification.

1. SIGNAL
Regime Shift
2. MPT
Rebalance
3. ATOMIC DUAL-PROOF
Quantitative (zk-VaR)
Qualitative (Chainlink ACE)
GATE
LOCKED
> Market Data: VIX spike detected (Regime: High_Vol)
> MPT Engine: Reducing Equity 60% -> 40%
> INIT_ATOMIC_GATE (Dual-Proof)
|-- Generating zk-SNARK (Risk < 3% VaR)... VALID
|-- Querying Chainlink ACE (KYC/Sanctions)... PASS
> Atomic Gate Verified. Broker Order Signed.
> Executing via IBKR API... Confirmed.

Regulatory and Compliance

Designed to meet regulatory standards in the UAE and global financial hubs. We provide the technology; licensed brokers provide the custody and execution.

Non-Custodial Model

Assets stay with licensed brokers in approved regions. We never hold funds.

MPT Based

Portfolio math based on Modern Portfolio Theory. Not speculation.

AI as Tool

AI detects market regimes but does not make final advisory decisions.

Audit Trail

Every decision produces a cryptographic proof log for full auditability.

The tool does not provide advice. The user defines all constraints. Execution remains supervised by licensed brokers.

See it live in 15 minutes

For retail and pro workflows

Stress-test your portfolio in 30 seconds

Read-only, no custody

28.06%
CAGR
2.07
Sharpe
-7.60%
Max DD
Run Free Test

Pricing Paths

Paper Trading

Free / alpha

Run full logic engine. Inspect all proofs.

Start Paper Trading

Limited Exposure

$150 - $995 / mo

For prosumers. Strict caps. Human review.

Apply for Waitlist

Institutional License

Custom / year

Complete setup. Audit support.

Contact Sales

Roadmap

Q4 2025
✓ DONE

Foundation & Validation

Interviews with traders, fund managers & regulators (CIRO, SEC, ADGM). North star metrics defined. RL benchmarks established with walk-forward validation. Compliance framework validated.

Q1 2026
● ACTIVE

UAE/GCC Alpha Launch

ADGM RegLab sandbox approval. Private alpha in UAE/GCC with institutional partners. Real-money testing. SDK release. Integration with major brokers (IBKR, Alpaca).

Q2 2026

Canada Beta & Market Entry

CIRO sandbox approval. Canada beta launch. Human-in-the-loop validation. Explainable AI features. Progressive caps & risk controls. Community onboarding.

Q3 2026

Scale & Advanced Features

Advanced RL strategies. Mobile apps (iOS/Android). Enhanced zk-proof VaR system. Strategic exchange partnerships. Institutional-grade audit trails.

Q4 2026

USA Market Entry & Global Expansion

SEC FinHub approval. USA beta launch. European expansion planning. Multi-jurisdiction compliance validated. Preparation for Series A & token framework (2027).

Founding Team

Daniel Oosthuyzen

Daniel Oosthuyzen

Chief Quant Engineer

Quant systems architect with 10+ years in FX, equity and options infrastructure. Specializes in fast RL pipelines and market volatility modeling.

Built production trading systems at tier-1 banks

Zeshan Ahmad

Zeshan Ahmad

Chief Product & Strategy

Professor in Computer Sciences - Product Development for Software Engineers, AI Powered Software, Blockchain & Cryptography. Has scaled and created exits on multiple ventures, leads product development and governance architecture.

Professor of Computer Sciences, multiple venture exits

Frequently Asked Questions

No. Your assets remain in your brokerage account at all times. ReFi.Trading agents execute trades through read-only API connections, ensuring you maintain full control and ownership of your funds.

Ready to Transform Your Trading?

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We respect your privacy and will never share your information.

Risk Disclosure: Trading involves substantial risk of loss. Past performance does not guarantee future results. AI agents may not perform as expected in all market conditions.