The top 8 international offshore banks in Dubai

When it comes to offshore banking in Dubai, international investors and entrepreneurs often prioritize trust, global reach, and financial flexibility. Dubai is home to some of the most respected and best international banks in the world, many of which operate under the framework of the Dubai International Financial Centre (DIFC) — one of the world’s top offshore financial centres. These banks in Dubai offer high-net-worth individuals, corporate clients, and entrepreneurs a blend of security, innovation, and access to global markets.

Are you ready for offshore banking?

Yes,

• If you operate a cross-border business or hold international assets
• If you can meet compliance and KYC documentation standards
• If you’re prepared to maintain minimum balance requirements
• If you seek access to diverse financial services
• If you value privacy, security, and investment flexibility

Below is a detailed guide to the top 8 offshore banks in Dubai, each known for its specialized services, compliance standards, and global presence.

1. HSBC Middle East

HSBC Middle East is a major international bank that offers a comprehensive suite of services catering to high-net-worth individuals, multinational corporations, and regional clients. With a significant international presence and its headquarters in the DIFC, HSBC Middle East is often regarded as one of the best international banks for offshore accounts in Dubai.

The bank offers a wide range of financial services, including private banking services, trade finance, wealth management services, and treasury solutions. Their advanced digital banking tools and mobile banking services provide seamless access to accounts and operations from anywhere in the world. Clients receive customized wealth management solutions, estate and succession planning, and access to a network of dedicated relationship managers.

HSBC Middle East places a strong emphasis on compliance and security, with a proven track record of responsible banking. The bank actively participates in social responsibility initiatives and continues to innovate through its advanced online and mobile platforms.

2. Citibank

Citibank is a global powerhouse with operations in over 160 countries, making it one of the most accessible and versatile banks in Dubai. Its presence in the Dubai International Financial Centre provides international clients with access to a wide range of corporate and investment services.

Citibank offers specialized accounts under its Citigold Private Clients program, which includes dedicated relationship managers, personalized wealth management, and tailored financial solutions. It is well-known for providing a range of financial services, including investment advice, cash management, and trade and infrastructure finance.

The bank’s commitment to compliance and adoption of innovative digital banking solutions makes it a trusted choice among businesses and high-net-worth individuals. Citibank also focuses on development and corporate social responsibility, supporting projects and initiatives in both local and international markets.

3. Emirates NBD

As the largest bank in the United Arab Emirates, Emirates NBD is a national leader with a global outlook. It offers a comprehensive range of products and services, from personal and corporate accounts to investment banking and wealth management services. The bank is particularly attractive to foreign investors looking to open an account with a strong local partner.

Emirates NBD is known for its range of additional services, including Islamic banking, estate planning, and international remittance. Its strong focus on digital innovation is reflected in its advanced digital banking tools, which support account management across multiple jurisdictions.

The bank provides exclusive banking solutions for high net worth individuals and net worth individuals, with offerings such as global investment access, lifestyle benefits, and bespoke portfolio management. Emirates NBD is also active in community development and sustainable finance, which aligns with Dubai’s long-term economic vision.

4. Habib Bank AG Zurich

Habib Bank AG Zurich is a trusted name among offshore banks in Dubai. Established in Switzerland and operating in Dubai for decades, it provides Shariah-compliant banking and compliant banking products with a strong commitment to Islamic finance principles. The bank's strategic positioning allows it to support both personal and business clients seeking tailored financial solutions.

Clients benefit from a suite of services that includes trade finance, wealth management, and estate and succession planning. It also offers robust banking platforms that combine tradition with innovative digital banking.

Habib Bank AG Zurich maintains a strong focus on trade, catering to businesses and individuals with cross-border needs and offering transparency through competitive rates and fees.

5. Royal Bank of Canada

Royal Bank of Canada (RBC) stands out among banks in Dubai for its emphasis on private banking clients, wealth planning, and global investment access. With a significant international presence, RBC’s operations in Dubai provide offshore clients with services tailored to high net worth individuals and net worth individuals.

The bank provides bespoke wealth management and customized wealth management through a dedicated team. It’s an ideal partner for those seeking to diversify their investment portfolios, particularly in North American and GCC markets. RBC also supports international businesses by offering specialized services in corporate and institutional banking.

RBC’s commitment to compliance, paired with its global infrastructure, ensures a high standard of risk management and client service.

6. Noor Bank

Although Noor Bank merged into Dubai Islamic Bank in recent years, its legacy of Shariah-compliant financial innovation continues under the DIB umbrella. It was previously recognized as the first Islamic bank in the UAE to provide advanced digital banking experiences tailored to Islamic banking principles.

Noor Bank focused on offering advanced online tools and digital banking innovations to support its customers, including mobile banking services and comprehensive financial services across both personal and commercial sectors.

Its heritage still influences DIB’s commitment to Islamic finance and products and services that meet the unique financial needs of its clientele.

7. Dubai Islamic Bank

Dubai Islamic Bank (DIB) is the world's first full-service Islamic bank and a cornerstone of shariah-compliant banking in the United Arab Emirates. DIB offers a wide range of services, including private banking services, estate planning, investment advice, and commercial banking solutions.

With a strong retail banking network, DIB caters to individuals and families, corporate clients, and businesses in the UAE, offering tailored financial solutions that align with Islamic finance principles. DIB provides access to offshore banking, account holders with global needs, and comprehensive digital banking tools.

DIB is known for its engagement and CSR, including community development and social responsibility initiatives, reinforcing its position as a trusted institution both locally and internationally.

8. Standard Chartered Bank

Standard Chartered Bank has a longstanding history in the Middle East and is a leading choice for offshore banking in Dubai. It combines a global network with strong local expertise in trade finance, treasury services, and investment management.

The bank offers a comprehensive array of services, including private banking, corporate finance, and personal banking. It is especially favored by high-net-worth clients for its management and private solutions, wealth management, and investment products.

Standard Chartered Bank also prioritizes digital banking innovations, advanced digital tools, and seamless account operations in Dubai. The bank’s commitment to innovation, coupled with a client-centric approach, ensures a premium experience for international account holders.

Key factors when choosing an offshore bank in Dubai

Choosing the best international bank in Dubai for your business or personal needs requires more than just reviewing brochures or websites. Offshore banking is a strategic decision that must align with your long-term goals, regulatory requirements, and financial operations. Dubai offers a mature and competitive financial ecosystem, including the Dubai International Financial Centre (DIFC), where many banks in Dubai operate under international compliance standards. However, not all banks are equally suited to every client.

To make an informed decision, businesses and investors should consider three essential factors: the bank’s reputation, its fees, and the range of services it offers for businesses.

Reputation and trustworthiness

In offshore banking, reputation and trustworthiness are not just buzzwords—they are foundational. Your choice of bank should reflect not only the institution’s credibility in the UAE but also its significant international presence and commitment to compliance and security.

Well-established institutions like HSBC Middle East, Standard Chartered Bank, and Citibank have proven track records across multiple regions and are subject to rigorous financial and operational audits. A bank that offers transparency, consistent client support, and regulatory clarity should always be prioritized.

Key reputation indicators to consider:

• Licensing jurisdiction: is the bank regulated by the Central Bank of the UAE or DIFC authorities?
• Compliance ratings: does it meet international standards in AML, KYC, and data security?
• Client feedback: what do high-net-worth and private banking clients say about their experience?
• History of operations: how long has the bank been active in Dubai or the broader Middle East?
• Commitment to innovation: does the bank participate in digital banking innovations or community development projects?

Reputation also extends to the bank’s social role. Many banks in the UAE actively engage in corporate social responsibility and community involvement, which signals a long-term commitment to the region’s prosperity.

Banking fees and costs

For many investors and entrepreneurs, rates and transparent fee structures can make or break a banking relationship. While offshore accounts typically incur higher costs due to regulatory and international compliance requirements, the best banks in Dubai offer competitive packages for international clients.

Common costs to consider:

Some banks in the UAE offer bundled packages with lower fees if you maintain a bank account in Dubai linked to active business operations. Others provide exclusive banking solutions to net worth individuals, where service fees are offset by investment value or portfolio volume.

Before choosing, you should also review:

• Rates and fees published online or in brochures
• Available cost calculators
• Opportunities to negotiate fees via dedicated relationship managers

Transparency is key. Avoid banks that are not forthcoming about their rates and fees, especially if you intend to keep an account operational in Dubai long-term

Services offered for businesses

A key deciding factor when evaluating offshore banks is the range of additional services tailored for businesses. Dubai’s major banks often specialize in cross-border financial management, trade facilitation, and corporate and investment services.

Here’s a list of core services your offshore bank should ideally offer:

• Business account setup and onboarding for foreign ownership
• Trade finance and treasury services for import/export firms
• Corporate finance, including access to working capital and credit lines
• Wealth management solutions for founders and stakeholders
• Access to advanced digital tools for account monitoring and global transfers
• Online and mobile banking interfaces optimized for international use
• Shariah-compliant financial solutions for Islamic businesses
• Advisory services in tax planning, estate and succession, and investment structuring

Top banks like Emirates NBD, Habib Bank AG, and Royal Bank of Canada offer a wide array of products and services, ensuring that international clients can manage all financial aspects in one place. Whether you need diverse investment opportunities, tools and platforms for scaling, or services tailored to your unique financial needs, your bank must demonstrate operational agility.

Additional aspects to consider:

• Integration with Dubai Financial or International Financial Centre systems
• Availability of multilingual support and international relationship managers
• Participation in projects and initiatives that reflect social responsibility initiatives

How to choose the best international bank in Dubai for businesses

Dubai’s thriving business ecosystem, modern infrastructure, and flexible legal frameworks make it one of the most attractive hubs for global entrepreneurs. But finding the best international bank in this environment involves more than brand recognition — it requires a strategic evaluation of how the bank's operations and offerings align with your company's specific needs.

International offshore banks in Dubai serve a wide array of clients — from startups and SMEs to multinational corporations and high-net-worth individuals. Each business has different requirements for capital flow, currency exchange, compliance and security, and long-term planning. Below, we explore how to identify the right banking partner for your business needs

Guidance on selecting the right bank based on business needs

Choosing a bank should be based on clearly defined business goals, planned transactions, and operational structure. Here are the most important factors to consider:

1. Understand your business model

• If your company focuses on trade and infrastructure, choose a bank that specializes in trade finance and treasury services, such as Standard Chartered Bank or Emirates NBD.
• If you run a consultancy or tech startup with remote teams, prioritize banks that offer advanced digital banking tools, online and mobile access, and advanced APIs and platforms.
• Businesses offering Shariah-compliant services should consider banks with Shariah-compliant banking and compliant financial services, like Dubai Islamic Bank or Habib Bank AG Zurich.

2. Assess international reach

You want a bank with a significant international presence and access to global banking networks. This ensures smoother cross-border transactions and better foreign exchange rates. Banks like Citibank or HSBC Middle East are ideal for this.

3. Match your capital needs with bank offerings

For corporate clients, especially those seeking corporate finance and investment banking support, the bank must provide tailored solutions like:

• Working capital loans
• Project-based financing
• Syndicated lending
• Access to capital markets

Look for banks that offer a comprehensive suite of services, including management and private wealth structuring for founders.

4. Review compliance history and regulatory fit

For businesses registered in offshore financial centres, especially in the Dubai International Financial Centre, regulatory alignment is essential. Ensure that your chosen bank has a strong record of regulatory compliance, commitment to compliance, and risk transparency.

5. Prioritize relationship management

Your banking partner should provide dedicated relationship managers who understand your industry, offer advice and support, and serve as a long-term strategic advisor, not just a service provider. This is especially true for private banking clients and net worth individuals seeking bespoke wealth management.

6. Consider the digital experience

Modern businesses demand banking that is both efficient and flexible. Evaluate:

• The quality of mobile banking services
• Availability of digital banking tools
• Integration with accounting software
• Real-time transaction tracking and alerts

Banks that excel in this area, such as Noor Bank (legacy systems under DIB) and Standard Chartered Bank, are typically favored by firms with decentralized teams or high digital exposure.

Quick comparison table: matching business needs to banks

The benefits & pitfalls of offshore banking

Offshore banking in Dubai is not just for multinational corporations or the ultra-wealthy. Entrepreneurs, investors, and high-net-worth individuals often turn to offshore banks in Dubai to protect capital, manage global cash flows, and access financial flexibility unavailable in their home jurisdictions. However, alongside these advantages come potential risks that businesses and individuals must understand to avoid setbacks.

Let’s take a closer look at both sides of the coin: the benefits that make offshore banking appealing and the pitfalls you should be aware of.

Benefits of offshore banking

The UAE, particularly Dubai, stands out among global offshore financial centres for its investor-friendly regulatory environment, robust infrastructure, and strong privacy protections. Here are the key advantages of using offshore banks in Dubai:

1. Capital diversification and currency flexibility

Offshore banking enables clients to hold funds in multiple currencies, helping them diversify their investment portfolios and reduce exposure to economic instability in their home countries. This is especially relevant for investors operating across GCC, Europe, and Southeast Asia.

2. Confidentiality and asset protection

Banks in Dubai operate under strict privacy laws. For net worth individuals, this offers a significant layer of protection for assets and financial strategies, especially when combined with estate and succession planning and trust services.

3. Access to global markets

With a significant international presence, Dubai-based banks give clients access to global banking networks, international credit lines, and investment products across multiple asset classes. Institutions like HSBC Middle East, Royal Bank of Canada, and Standard Chartered Bank provide powerful tools for expanding international business.

4. Comprehensive financial services

Most banks in Dubai offer an array of financial solutions, including private banking services, corporate and investment solutions, and compliance and security services. This makes Dubai a one-stop shop for international banking needs.

5. Technological innovation and digital tools

Dubai-based offshore banks invest heavily in digital banking innovations, providing advanced digital tools and seamless mobile banking services. Clients enjoy real-time reporting, offering advanced online access, and integration with ERP systems, which enhances financial control.

6. Shariah-compliant options

For clients looking for faith-based services, banks like Dubai Islamic Bank and Habib Bank AG Zurich offer Shariah-compliant banking, compliant financial services, and products aligned with Islamic finance principles.

7. Tax efficiency and incentives

Although Dubai has introduced some tax reforms in recent years, it still remains one of the most tax-efficient jurisdictions globally. For foreign-owned businesses, this is a key draw, especially when operating within the Dubai International Financial Centre.

Potential pitfalls and risks to be aware of

While offshore banking in Dubai offers a long list of benefits, clients must also be aware of the limitations, especially in areas of compliance, documentation, and access.

1. Strict documentation requirements

Opening a bank account in Dubai as a non-resident or offshore business often requires significant paperwork, including company incorporation documents, proof of source of funds, passport copies, and tax compliance statements. These requirements can delay onboarding if not managed properly.

2. Regulatory oversight and policy changes

Although the UAE has a stable banking system, it continues to strengthen its anti-money laundering (AML) and counter-terrorism financing (CTF) frameworks. Clients must stay updated on policy changes that can impact account opening, international transfers, or account holders' obligations.

3. Minimum balance thresholds

Many banks require high minimum balances, especially those offering exclusive banking solutions or private banking client services. Falling below this threshold may result in penalties or account freezing.

4. Limited banking for high-risk countries

Clients from countries on watchlists or with unstable regulatory reputations (e.g., North Korea, sanctioned territories) may find it difficult or impossible to open accounts in banks in the UAE.

5. Reduced local banking privileges

In some cases, offshore banks in Dubai do not offer full access to retail banking network services (e.g., checkbooks, local debit cards) unless clients establish a local residency or business license.

6. Cost implications

While offshore banks provide world-class services, they come with a price. Rates and fees for non-resident accounts are often higher and can include setup charges, compliance fees, and FX margins. It’s crucial to use a cost calculator or request a fee sheet before onboarding.

7. Currency controls in home countries

Finally, although the UAE imposes no currency restrictions, clients must ensure their home country does not limit or tax outbound transfers to foreign jurisdictions. Legal or tax advice may be needed in parallel.

Costs involved in starting a company in Dubai

Establishing a business in Dubai is a strategic move for international entrepreneurs and investors. As one of the leading global offshore financial centres, Dubai offers a dynamic legal and economic environment, streamlined regulations, and access to both local and international markets. However, understanding the full cost structure involved in business setup is essential, especially for those planning to open a bank account in Dubai or integrate with a financial institution for operational support.

Dubai offers two primary types of business jurisdictions: mainland and free zone. Additionally, offshore companies registered within the Dubai International Financial Centre (DIFC) or Jebel Ali Free Zone (JAFZA) provide unique benefits, including access to international banking and tax efficiency.

Whether you’re launching a consultancy, import-export firm, fintech company, or family office, your overall budget must account for a range of government fees, license costs, visa expenses, and bank account setup charges.

Detailed breakdown of company setup costs

Here’s a breakdown of the typical expenses when starting a business in Dubai, including average ranges and the purpose of each cost component:

These costs vary based on the nature of your business, the number of shareholders, and whether you choose to work with banks like Citibank, Emirates NBD, or Dubai Islamic Bank. Each bank has different onboarding procedures and account-related fees

Additional cost-related considerations

1. Bundled setup packages. Some business setup consultants in Dubai offer complete packages that include licensing, visa processing, and assistance with bank account opening. These can reduce administrative burdens and ensure faster incorporation.
2. Visa-linked banking. If you’re applying for a visa in Dubai, most free zones or mainland licensing authorities will require proof of a valid account in Dubai as part of the process.
3. Sector-specific surcharges. Certain regulated sectors like financial services, oil trading, or consulting may carry higher registration fees and bank compliance thresholds.
4. Cost calculators and digital tools. Many free zones and international banks now offer online cost calculator tools that help forecast total setup costs, including license, visa, and bank account expenses.
5. Recurring costs. Don't forget about yearly renewals for your license, visa, and tenancy contract, along with banking fees such as monthly maintenance or transaction charges.

Example: setup cost summary for a standard free zone company

For high net worth individuals and private banking clients, the costs may be higher, but benefits include premium banking facilities, tailored financial solutions, and faster account activation timelines. Institutions offering management and private services typically fast-track such applications.

Do you need a bank account for a visa in Dubai?

A common question among entrepreneurs, freelancers, and investors setting up in the UAE is whether a bank account in Dubai is required to secure a visa in Dubai. The short answer is yes — having an account in Dubai is either a requirement or a significant advantage in nearly all visa categories for businesses and residents alike.

Dubai’s residency system is closely linked to business ownership, employment, or investment, and each route to residency has banking components that make opening a bank account an essential step in the process

The link between bank accounts and visa requirements

1. Investor visas and business setup

If you’re starting a company in Dubai, particularly within a free zone or as a mainland entity, one of the critical steps after incorporation is opening a business bank account. Immigration authorities typically require proof of this account when issuing your investor visa. In some cases, the Dubai International Financial Centre (DIFC) will also request confirmation of banking arrangements for compliance purposes.

Additionally, many banks in Dubai ask for a valid visa before approving account opening, which creates a “chicken-and-egg” situation. To solve this, business setup consultants or PRO service providers often assist with simultaneous visa application and preliminary bank onboarding.

2. Salary and employment visas

If you’re working for a Dubai-based employer, your residency visa is tied to a valid labor contract and Emirates ID. In this case, your employer is required to deposit your salary into a local bank account in Dubai under the WPS (Wage Protection System). Without this account, salary disbursals and labor law compliance are not possible.

3. Freelance permits and residency

Freelancers operating under a sole establishment or freelance license must also maintain an account operational in Dubai to receive payments from clients and prove economic activity. Banks such as Emirates NBD, Standard Chartered, and Dubai Islamic Bank offer freelance-friendly accounts with minimal deposit thresholds and easy digital banking tools.

4. Visa renewals and compliance

During visa renewal, authorities often request recent bank statements to verify financial stability. This applies especially to high-net-worth individuals, investors, and Golden Visa applicants. A healthy account in Dubai, backed by regular activity, supports smoother renewals and compliance with UAE immigration regulations.

5. Banking for dependents and family member

When applying for dependent visas — for a spouse, children, or domestic workers — you may be required to show sufficient funds in a Dubai-based account to demonstrate financial capability. Some banks offer products and services tailored to family banking and personal and commercial needs.

In summary

Pro tip:
To avoid delays, work with a consultant who understands both visa processes and banking procedures. Banks with strong operations and offerings for expats, like HSBC Middle East, Citibank, and Standard Chartered Bank, often have streamlined onboarding for visa applicants.

Additionally, consider banking partners that provide:

• Advanced digital banking tools
• Dedicated relationship managers
• Low-barrier accounts for startups and freelancers
• Integrated visa processing through free zones like DMCC or IFZA

How to open a bank account in Dubai

Opening a bank account in Dubai — whether for a company or as an individual — is a crucial step for doing business or residing in the UAE. The process is generally straightforward for UAE residents, but international clients and offshore businesses often face more complex documentation requirements. This section provides a clear, practical roadmap to help you prepare for a successful account opening.

Whether you’re opening an account for corporate purposes, investment activities, or everyday personal banking, Dubai’s financial institutions offer a wide range of financial services with strong international credibility and regulatory compliance.

Step-by-step guide on the process

Here’s a detailed breakdown of the process to open an account in Dubai — both for residents and non-residents.

Step 1. Choose the right bank

Start by researching banks in Dubai that match your goals. Consider whether you need:

• A corporate or personal account
• Shariah-compliant banking or conventional banking
• Access to advanced digital banking tools
• Relationship management for high-net-worth clients
• Easy integration with international operations

Top banks like HSBC Middle East, Citibank, Dubai Islamic Bank, and Royal Bank of Canada offer options for both residents and foreign nationals.

If you're looking for international connectivity, banks like Citibank or Standard Chartered Bank are ideal for cross-border transactions and global access.

Step 2. Prepare your documents

Depending on whether you're applying as a company or an individual, your paperwork will vary.

For individual accounts:

• Passport and residence visa copy
• Emirates ID (if available)
• Utility bill or tenancy contract (as proof of address)
• Salary certificate or source of income
• Personal bank statements (last 3–6 months, if applicable)

For corporate/offshore accounts:

• Company trade license
• Memorandum and Articles of Association
• Shareholder passport copies
• Emirates IDs (if applicable)
• Office lease agreement (Ejari)
• Board resolution to open the account
• Business plan and expected transaction profile
• VAT certificate (if applicable)

Note: for offshore companies, additional documents may be required, including legal opinion letters, auditor reports, or holding company structures.

Step 3. Choose your account type

Select the account type that suits your goals:

Step 4. Submit the application and attend the verification

Most banks in the UAE require the applicant’s physical presence for signature and verification, although some allow pre-approval or onboarding via advanced digital tools.

Some banks — especially in the Dubai International Financial Centre — allow online and mobile applications for select clients, including freelancers, startups, and investors.

You’ll also need to complete:

• KYC forms (Know Your Customer)
• FATCA/CRS declarations (for international compliance)
• Transaction profiling (to estimate your account activity)

Step 5. Await compliance checks and approval

This step may take anywhere from 5 to 30 business days, depending on:

• Your residency status
• Your country of origin
• The bank’s compliance and security protocols
• Whether you're opening a personal, corporate, or offshore bank account

Some high-net-worth clients and private banking clients may receive faster approvals due to dedicated onboarding channels.

Step 6. Fund the account and activate services

Once approved, you must make the initial deposit — amounts vary by institution and account type. For example:

• Basic personal account: $1,000–$5,000
• Corporate account: $10,000–$50,000
• Private banking services: $100,000+ in assets

After funding the account, you can begin using:

• Online transfers
• Mobile banking
• Debit/credit cards
• Cheque book (if applicable)
• Range of additional services like FX, wealth management, or investment access

Tips for a smooth account opening experience

• Use a licensed business consultant for corporate accounts
• Choose a bank with multilingual staff and expat support
• Prepare digital and hard copies of all documents
• Clarify all rates and fees before committing
• Use banks offering tailored financial solutions or exclusive banking solutions if you have complex needs

Open your bank account in Dubai

Whether you're launching a new company, expanding internationally, or looking for diverse investment opportunities, opening a bank account in Dubai is a strategic move that can unlock access to one of the world’s most dynamic financial ecosystems.

Dubai’s offshore financial centre status, combined with its advanced regulatory framework and strong international partnerships, makes it the ideal base for both business and personal wealth management. The UAE offers not only cutting-edge digital banking innovations but also robust compliance and security standards to protect your capital and operations.

Choosing the right bank — whether it’s HSBC Middle East, Standard Chartered Bank, Citibank, or Dubai Islamic Bank — can transform how you manage finances across borders. These institutions offer exclusive banking solutions, tailored financial solutions, and a full suite of services for investors, entrepreneurs, and high-net-worth individuals alike.

Why now is the right time

Dubai continues to strengthen its position as a global banking and investment hub. New reforms, visa-friendly policies, and ongoing investment in projects and initiatives ensure that banks in Dubai remain competitive, innovative, and welcoming to international clients.
By acting now, you position yourself at the heart of a financial network that prioritizes growth, compliance, and opportunity, whether you’re a startup founder or part of a legacy family office.