Visible Capital

their website for visiblecapital.io presents two distinct and conflicting identities. The primary homepage serves as a Ukrainian-language real estate lending product, offering collateral-backed loans in Ukraine with no connection to wealth management or family office services. A secondary set of pages, apparently from an earlier or parallel version of the site, describes a UK-based FCA-regulated financial technology firm registered in Edinburgh (SC616317) that provides income and expenditure aggregation tools for financial advisers and their clients via open banking and PSD2 data connections.

The UK technology product aggregates bank account transaction data to produce a Wealth Assessment, a report summarising a client's income and outgoings. This is delivered to advisers, including IFAs, who use it as part of their client onboarding or financial planning workflows. The product references integrations with Iress, Intelliflo, and CashCalc, suggesting it is positioned within the UK adviser technology ecosystem rather than as a direct family office tool. The founding team includes backgrounds in fintech, data software, and financial product development, with advisory board members from Deloitte and WPP.

For family office principals evaluating this vendor, the content available does not support a clear use case. The FCA-regulated UK product is aimed at adviser-led retail and wealth planning workflows, not at family office investment or operational functions. No consolidated reporting, multi-asset portfolio management, or family office-specific features are described. Pricing is not disclosed publicly, and the product appears limited to UK residents over 18. The Ukrainian real estate lending content on the same domain creates significant confusion about the company's current focus and operational status. Buyers seeking wealth management technology should verify the current state of the UK product before proceeding.

• Aggregating bank account transaction data for clients
• Generating income and expenditure reports for financial advisers
• Supporting adviser-led client onboarding and fact-finding workflows
• Providing open banking data connections under PSD2

• Bank account transaction data aggregation
• Automated Wealth Assessment report generation
• Income and expenditure analysis
• Client consent management for data access
• Integration with Iress, Intelliflo, and CashCalc
• 30-day data retention post-assessment
• Adviser-to-client secure email onboarding

Built for Advisors / Wealth Advisors (RIA).

Email support mentioned; complaints acknowledged within 48 hours.

Adviser issues secure email link; client creates account and completes Wealth Assessment online.