binarycapital.co.uk

What It Is

Binary Capital Limited is a UK model portfolio service (MPS) provider whose website positions itself around “model portfolio investing.” Based on the site content, its core business is not payments, acquiring, fintech APIs, or similar infrastructure, but multi-asset investment portfolios distributed through financial adviser channels. Its offerings include Active MPS, Passive MPS, Core MPS, Ethical MPS, Sustainable MPS, ESG Blend MPS, Islamic MPS, Defined Returns MPS, Investment Trust MPS, and Bespoke Model Portfolios.

Core Capabilities

The product range is fairly comprehensive. Ethical MPS highlights strict negative screening, excluding alcohol, adult entertainment, military/defence, oil and gas majors, gambling, and tobacco, while seeking to minimise animal testing exposure. ESG Blend MPS uses a core-satellite approach combining active and passive strategies, with a focus on ESG characteristics and reducing carbon footprint. Defined Returns MPS targets a net annualised return in the 4%-7% range and emphasises downside risk management. Each strategy typically has defined risk profiles, uses volatility and equity-risk ranges, and is rebalanced at least semi-annually.

Pricing and Compliance

Fee disclosure is relatively straightforward: Ethical MPS and Defined Returns MPS both charge an annual management fee of 0.30%; ESG Blend MPS charges 0.20% and highlights a total cost cap of 0.75% p.a.; bespoke model portfolios are priced at 0.50%-0.75%. The company is registered in England and Wales under number 06692644 and is authorised and regulated by the UK FCA, FRN 507900.

Pros and Cons

Its strengths are clear regulatory status and a product lineup that covers values-based investing and multi-asset allocation, making it suitable for advisers matching clients with different risk preferences. It also offers bespoke portfolios, platform uploads, and dedicated investment/account manager support. Limitations include the lack of disclosed historical performance, a complete platform list, and underlying holdings in the main content; the products do not provide capital guarantees, and most require an investment horizon of at least 5 years. The website also contains wording indicating a “staging environment,” so the publication status of the information should be verified.

Who It Is For and Access from China

It is better suited to retail and professional investors in the UK market who obtain investment advice through FCA-authorised financial advisers, especially those with ESG, ethical, Sharia-compliant, or target-return requirements. It is not suitable for merchants looking for payment channels, acquiring, wallets, cross-border settlement, or API integration. The main content does not provide information on access from mainland China, so this remains unknown.