# Your holdings, with the details that matter.

Canonical page: https://finanzer.ai/personal/assets

> Explore assets with Finanzer. Understand ownership, custody, access, costs and risks, and keep investments distinct from everyday money and credit limits.

Follow the assets you hold alongside your everyday finances. Understand their value, ownership and access without mistaking an investment balance for spendable cash.

## Know what you own. And what you can do with it.

A useful holdings view connects the asset to the rights, restrictions and services attached to it.

### Amount and valuation

See the quantity held and its current valuation. Market value can change, and the amount realized on sale can differ.

### Ownership and custody

Understand who holds the asset, the rights you have and the provider responsible for custody.

### Access and transfer

Check whether sale, conversion or withdrawal is available, and which costs, timing or network requirements apply.

### Existing commitments

Identify assets allocated to a strategy or pledged as collateral. These restrictions affect how the holding can be used.

## Holding, allocating and borrowing are separate choices.

Start with the role of the asset in your finances, then assess the product that changes its use.

| Choice | What it involves |

| --- | --- |

| Keep holding | Retain exposure to the asset’s changing value and its ownership conditions. |

| Explore Earn | Allocate to an investment strategy with its own return source, costs and access conditions. |

| Consider Holdpath | Pledge eligible assets to secure a loan, with repayment and collateral obligations. |

## Assess the asset. Then assess the loan.

A holding that qualifies for Holdpath may support borrowing without an upfront sale. Eligibility and borrowing capacity depend on the asset and lending terms.

The asset remains exposed to price changes and can be liquidated under the agreement. Keeping it at the beginning does not guarantee keeping it throughout the loan.

[Understand Holdpath](https://finanzer.ai/personal/holdpath)

## Understanding your holdings

### Which assets can I hold?

Availability depends on your market and account. Ask about the holdings you want to manage, including ownership, custody, trading and withdrawal arrangements.

### Is the displayed value guaranteed on sale?

No. Market prices, spreads, fees, liquidity and execution can affect the amount you receive.

### Are assets covered like account money?

Do not assume the same protections apply. Ownership, custody and loss risks depend on the asset and provider, and investments can lose value.

### Can every holding be used as collateral?

No. Eligibility, valuation and permitted borrowing are set by the relevant lending program. A displayed holding is not automatically borrowing capacity.

## See your holdings in their full context.

Start with Personal and the asset services available for your account.

[Choose your Personal account](https://finanzer.ai/get-started)

[Explore Earn](https://finanzer.ai/personal/earn)