# About Horwick — who runs the platform > Horwick is a VARA-regulated platform for crypto, stocks, ETFs, forex and commodities. Who runs it, how client money is protected, and the numbers. Source: https://horwick.com/about Horwick is *one account for every market* — crypto, stocks, ETFs, forex and commodities — run with *the protections of a regulated broker,* for people who trade more than one thing. - **VARA** regulated in Dubai - **200+** markets in one account - **€250** to open an account ## One account for crypto, stocks and forex Horwick Technologies Ltd runs a trading platform where one account covers crypto, US and EU stocks, ETFs, forex, commodities and indices — more than 200 markets in total. We are licensed by the Virtual Assets Regulatory Authority (VARA) in Dubai. Client money is held in segregated accounts, separate from the company's own funds. Our clients are individual traders — from first-time investors starting with €250 to active traders and funds that need a private desk. ### Company record - **Horwick Technologies Ltd** Legal entity - **Dubai, UAE** Headquarters - **VARA, Dubai · licence no. 678 789 900** Regulator - **2021** Founded - **140 people in 3 offices** Team - **Retail, professional and institutional** Clients [Verify on vara.ae](https://www.vara.ae/) - [Privacy Policy](https://horwick.com/legal/privacy-policy) - [Terms of Service](https://horwick.com/legal/terms-of-service) - [Cookie Settings](https://horwick.com/legal/cookie-settings) - [AML & KYC Policy](https://horwick.com/legal/aml-kyc) - [Conflicts of Interest](https://horwick.com/legal/conflicts-of-interest) ## Five years, one account How a crypto broker in Dubai became one account for every market. - **Founded in Dubai**: Horwick Technologies Ltd is incorporated in DIFC with a founding team of twelve. - **VARA licence**: Licensed by the Virtual Assets Regulatory Authority to offer virtual-asset trading. - **Stocks & ETFs**: US and EU stocks and ETFs join crypto — in the same account, with fractional sizes. - **Savings on idle cash**: Balances you aren't trading start earning, up to 13.2% APY on Pro. - **Private desk**: OTC, block trades and FIX access for funds, family offices and high-net-worth clients. - **200+ markets**: Forex, commodities and indices complete the line-up: every market, one account. ## The claims, and what backs them The same five reasons you saw on the homepage, with the detail behind each one. - **Savings on idle cash**: Up to 13.2% APY on balances you aren't trading. — Rates depend on account type: up to 5% on Starter, 9% on Trader and 13.2% on Pro. Interest accrues daily and is paid monthly; you can withdraw at any time without a lock-up period. — Rates as published on Account Types — **13.2%** max APY (Pro) — [See rates by account](https://horwick.com/account-types) - **Fast execution**: Orders filled in under 100 ms. — Orders route to multiple liquidity providers and fill at the best available price. Median fill time is measured end to end, from order received to confirmation sent. — Internal execution logs, last 90 days — **<100 ms** median fill time - **Fast withdrawals**: Most withdrawals clear within minutes. — Withdrawals to the source you deposited from are checked automatically. Bank transfers typically arrive in about 15 minutes; card refunds take 1–3 business days. — Payments data, last 90 days — **~15 min** median bank withdrawal — [How withdrawals work](https://horwick.com/account-types) - **Pro tools built in**: Spot & perps, copy trading, auto-invest, advanced charts and risk tools in one app. — Every tool is included in the account — no paid add-ons. Advanced charts and risk tools are available from the Trader account up. — Feature list by account type — **5** tool suites, no add-ons — [Compare accounts](https://horwick.com/account-types) - **Tight spreads**: Spreads from 0.01% across 200+ markets. — Spreads are variable and depend on the market and time of day. We publish typical spreads per category so you can compare before you trade. — Published trading conditions — **0.01%** BTC/USDT spread from — [See trading conditions](https://horwick.com/markets) ## The platform, counted Each figure shows where it comes from and when it was last updated. As of 31 August 2026 - **500,000+** registered traders — CRM, verified accounts only - **$4.2B+** monthly volume traded — Trade ledger, August 2026 - **200+** markets available — Instrument list on the Markets page - **120+** countries served — Active client residency - **5** years in operation — Incorporated 2021 - **24/7** human support — Support hours on the Contact page ## Where your money goes, and where it never does Every deposit is booked to accounts held for clients. Horwick's own money sits on the other side of the wall. **Your deposit**: Bank transfer, card or crypto **Booked to your account**: Credited to you, never pooled with company money - **Segregated client account**: Tier-1 bank, held in trust for clients - **Client custody wallets**: Mostly offline cold storage, per-client ledger **Operating funds**: Salaries, rent, running costs — kept separately Never mixed - **Segregated funds**: Client assets are held apart from company funds and can't be used for Horwick's operations. — 01 • CUSTODY — [Custody policy](https://horwick.com/legal/terms-of-service) - **AES-256 encryption**: Data is encrypted in transit and at rest, with two-factor authentication on every account. — 02 • ENCRYPTION — [Security whitepaper](https://horwick.com/legal/privacy-policy) - **VARA framework**: Operating under the Dubai VARA rulebook, including AML and KYC requirements. — 03 • REGULATION — [vara.ae](https://www.vara.ae/) ## Checked who we are? Open an account in minutes. Verification usually takes under 10 minutes. Start from €250 and trade every market from one regulated account. - [Open an Account](https://my.horwick.com/login) - [Contact us](https://horwick.com/contact)