Both of them have different investing approach. With Kristal.Ai, while there is a KYC process, in the end, you will be the one making the investing decision. Stashaway is more like set once and forget. All you have to do is to transfer money when you have spare cash and it will be invested automatically. Both have the pro and cons. 1. Kristal.Ai is slower to process your money as the last tim e tried transferring funds I had to wait for few days. Stashaway is quicker and usually takes only 1 day to process and invest your funds. 2. Minimum required investment is higher in Kristal.Ai. With Stashaway you can literally send $10 and it will be invested. Kristal.Ai requires you to buy "Krystals", some of which can cost hundreds/thousands of USD. 3. Stashaway charges a rather high fee while Kristal.Ai is FREE TLDR: Stashaway is set and forget while Kristal.AI is more akin to DIY process.