About Sovereign HNI

A live monitor for everything an HNW portfolio actually contains — built because no existing tool handled the full picture.

The problem

High net worth portfolios don't fit into one app. Crypto lives on five exchanges and a hardware wallet. Equities are split across two brokerages and a 401(k). There's a primary residence, two rental properties, a small business, some private equity, and a stack of stablecoins earning yield in a DeFi protocol. Then there's the tax situation, which depends on where you live, where the assets are domiciled, and which of those things changed this year.

Most personal finance tools are built for a different problem: budgeting a salary, saving for retirement, picking index funds. They handle one or two asset classes well and ignore the rest. Sovereign HNI is built for the picture that doesn't fit anywhere else.

The philosophy

Three principles shaped the product:

  • Live, not retrospective. Net worth is a real-time number. Snapshots are taken hourly so you can see exactly when, how, and why your wealth moved — not just where it ended up at the end of the month.
  • Honest about complexity.Real portfolios have side pockets, residences vs rentals, businesses with imperfect valuations, and yield-bearing positions that are technically debt. The tool treats all of it as first-class data instead of forcing it into a generic “Other” bucket.
  • Yours, not ours. Your data is encrypted at rest, never sold, never used to train models. Exchange integrations are read-only by design — Sovereign HNI cannot move your funds even if it wanted to. Export everything to JSON or delete the account in one click.

How the tax engine works

The tax engine models your portfolio against the rules of 80+ countries: capital gains regimes, dividend treatment, crypto-specific rules, foreign income rules, and residency thresholds. Each country's rules live in a structured profile that captures the rates, the brackets, the exemptions, and the edge cases that make tax planning actually hard.

You can run side-by-side comparisons of two or more jurisdictions to see how the same portfolio would be taxed in each. The output is not a tax return — it's a decision-making tool for residency planning, asset location, and timing.

Important: Sovereign HNI is not a substitute for a tax advisor. The engine is a modeling tool. For any actual filing or relocation decision, work with a qualified professional in the relevant jurisdictions.

How the sovereignty index works

The sovereignty index visualizes the geographic exposure of your wealth on a world map. Each holding is weighted by its location of risk — where the asset is held, where the issuer is domiciled, where the underlying business operates, where you reside.

The output is a single picture of how concentrated or distributed your wealth is across jurisdictions. Most HNW individuals are surprised to discover how much single-country risk they actually carry. The index makes that visible so you can decide whether you're comfortable with it.

The company

Sovereign HNI is built and operated by Confiable Tech, registered in the Dubai International Financial Centre (DIFC). DIFC is a federally regulated financial free zone with its own independent legal framework and courts, built specifically for financial services and technology companies.

Get in touch

Questions, feedback, partnership ideas, or want to be one of the first paid users? Email hello@sovereignhni.com.