Your monies and assets in your investment portfolios are held in a custodian account through Saxo Capital Markets, a MAS-regulated global broker. Your assets are held with Saxo, whose sub-custodians are Citibank for securities and HSBC for any uninvested cash. This means that your money and assets remain safe even if Syfe or Saxo stops operating because they are held separately from Syfe or Saxo’s assets.