Investing that explains itself.

One account for shares, funds, currencies and digital assets — and an agent that watches the policy you set, and speaks only when something needs you.

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Market data through CoinGeckothe European Central BankTwelve Data

The platform

Everything your capital does.
In one place, and in one language.

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Allocation against your policy
Equities 68.0% ± 268.5%
Cash and income 14.0% ± 214.0%
Digital assets 10.0% ± 210.8%
Currencies 8.0% ± 16.7%
Digital assets are above target and below the ceiling. Nothing is breached, and nothing has to happen today.
Closing the shortfall in currencies
Sterling Income fixed 4.0% a year+1.3pp
GBP/USD held as cash+1.3pp
Euro Income adds a third currency+1.3pp
You pay 3,143.02, spread 0.10% = 3.14, shown before you press.
Proposal 24 · calculated

Bring Sterling back to target

What it costs. 3.14 of spread, no commission.

What it gives up. 94.29 a year in yield, bought deliberately for diversification.

If you do nothing. The class stays out of band — 0.3pp of extra drawdown on the five-year worst case.

AcceptChange the amountDecline
Deposit · every state is named
Sent from your bank14:02
Seen on the network14:06 · 1 of 3
Confirmed and credited+3,000.00
Posted to the ledgertwo entries, balanced
Nothing shows as available before it is. While it confirms, the portfolio says “in flight”, not zero.

How it runs

Four things happen without you
asking for them.

Every day

It measures the portfolio against your policy

Not against an index, and not against other customers. Against the target weights and tolerance bands you set once, which is the only definition of “correct” that means anything for your money.

When a class drifts

It shows the cost of acting and the cost of waiting

Both in money, on the same screen. A proposal that only shows the upside is an advertisement.

Once a quarter at most

It tells you when the goal has moved

And gives three ways to close the gap — pay in more, take longer, or accept a smaller number — instead of the one that suits us.

After ninety days

It scores its own advice, including the failures

Fifteen of nineteen worked; four did not. Twice you declined and were right. Autonomy over money should be bought with a record, not with a slider.

Policy check · 13 rules
Digital asset weight target 10.0, limit 12.010.8%
Single holding max 45.039.4%
Cash floor min 10.014.0%
Volatility max 15.011.8%
Deepest fall max −20.0−9.2%
Twelve of thirteen pass. The thirteenth is drift inside a band you set, which is not a breach.
Proposal 24 · what it costs, what it gives up

Do — move 1,938.25 from digital assets into the equity fund.

Costs — 3.88 of spread. No commission.

Gives up — the crypto sleeve is the part that has run; trimming it is the price of the band.

If you wait — nothing breaks today. The ceiling is 12.0% and you are at 10.8%.

Model it Leave it
A flat by 2031 · three ways to close it
Pay in more955.00 / month
Take longerMarch 2032
One payment now8,070.00
Change nothing69,198 at the term
The fourth is a legitimate answer. A product that leaves you no right to do nothing is applying pressure.
Ninety days later · the score
Suggestions made24
You accepted19
Right after 90 days15
Wrong4
You declined and were right2
A record that hides its failures is a marketing page, and it cannot be the basis for letting anything act on your behalf.

Built for the decision, not the dashboard

Six things most platforms
would rather you did not see.

Buying Sterling Income
You pay3,143.02
Rate1.2841
Spread 0.10%3.14
You receive2,445.35 GBP

The spread, before you press

Every quote states what we take, in money, on the same screen as the button — never folded into the rate afterwards.

Everything charged this year
Management · 0.28%684.00
Trading spread · 14×121.40
Currency spread · 6×42.80
Entry, exit, inactivity0.00
Total866.80

All eight kinds of fee, including zero

The ones that sit inside a price are the ones nobody shows. Ours are ledger entries, so they can be listed.

Proposals, scored after ninety days
Trim digital assets · 12 Augyou declined, right
Add NVDA · 1 Augright
Emerging markets · 19 Junwrong
19 accepted15 right · 4 wrong

The agent's record, failures included

Autonomy over your money should be bought with an auditable history, not with a slider in settings.

Per 10,000, on the plan we would suggest
−1,840
−300
+610
+2,140
Worst · 25th · median · 80thtwelve-month periods since 2005

Risk in money, not in percentages

Four twelve-month periods of the actual mix, in money — the worst one, the median one and two either side. Not a brochure figure, and not a forecast.

Looked through the funds
Microsoft11.5%
Apple10.4%
NVIDIA8.9%
Five companies40.8% of capital

What you actually own

Ten holdings on the screen. Looked through, five companies are two fifths of the money — and they move together.

The agent, on an ordinary day

Nothing needs you

Every rule passes, the goal is 14 months ahead, and the drift is inside your band. The next thing worth your attention is in March.

No buttons here on purpose—

Silence, when silence is the answer

A product that always finds you something to do is trading on your anxiety. Most days it says nothing at all.

Start in ten minutes.
Then be left alone.

Answer five questions
What the money is for, when you want it, and what you would do if it fell. Four minutes, no money needed to finish them.
See the shortfall before the first dollar
The plan is arithmetic on your contributions, so the gap — and three ways to close it — appear before you fund anything.
Accept a policy, or write your own
Target weights with tolerance bands. From that moment the platform has a definition of “correct” for you, and every screen measures against it.
Fund it, and stop watching
Bank transfer or on-chain. After the first placement the agent goes quiet until something actually needs a person.

Stop paying for things
you were never shown.

The spread is quoted, not buried
In money, before the button, on the same screen. Afterwards it is a ledger entry like any other charge.
Nothing on the way in or out
No entry fee, no exit fee, no inactivity fee. One management charge of 0.28% a year on invested capital.
Every fee reconciles
Eight kinds exist in the ledger, including the ones that are zero. The year's total can always be rebuilt from the entries.
And the number that matters
Cost against the portfolio you would otherwise have had — not cost against nothing. This year that difference covered it 1.7 times.

Run it like someone
who does this for a living.

Allocation against policy
Equities 68.0 ± 268.5%
Cash 14.0 ± 214.0%
Digital 10.0 ± 210.8%
Twelve of thirteen rules pass—

Total visibility

Every class against the band you set, priced daily, with the one line that is out of range named first.

Standing instructions
1st of the month3,000.00 to target weights
If a class leaves its bandtell me, do not act
Eighteen months before a goalbegin moving to cash
Cancellable any time—

Automations

Contributions, drift alerts and the pre-goal glide path run on their own — and every one of them states what it will do before it does it.

Roman V. · what the agent may do
Analyse and explainalways
Prepare proposalsalways
Execute without askingnever
Move money off the platformnever

Permissions you can read

Four lines, in plain words, on one screen. A mandate is capped per operation and per month, expires, and is cancellable for twenty-four hours.

Ledger · the deposit that landed today
Sent from your bank14:02
Seen on the network14:06 · 1 of 3
Confirmed and credited+3,000.00
Postedtwo entries, balanced

A balance explained by a record

Double entry, append-only. Nothing shows as available before it is, and every figure on every screen can be traced back to a posting.

You are building something
to outlast a cycle. So are we.

4asset classes in one account
0.28%a year, and nothing else
13policy rules checked daily
T+0most holdings sell same day
“The number that matters is not the return. It is what you were told before it happened.”
0.28%a year, on invested capital. Nothing on entry, nothing on exit.
8kinds of fee in the ledger — including the ones that are usually inside a price.
13policy rules checked against your holdings, every day.
0.28%
A year, on invested capital. No entry fee, no exit fee.
4
Asset classes in one account: shares and funds, cash, currencies, digital.
T+0
Most holdings sellable the same business day.
2
Entries per operation. A balance is always explained by a record.

Before you ask

The questions that decide it.

Is my money protected?

Holdings are registered in your name with the custodian, not on our balance sheet. That is not the same as a state deposit guarantee, and we will not call it one: this is an investment account, and the market risk is yours.

What does it cost, all in?

0.28% a year on invested capital, charged monthly. No entry fee, no exit fee, no inactivity fee. Spreads on trades are shown before you press and appear as ledger entries afterwards, so the total is always reconstructable.

Can the agent move my money?

Not unless you grant a mandate, and not beyond the limits in it. By default it can propose and explain, and nothing else. Any mandate expires, is capped per operation and per month, and is cancellable within twenty-four hours of any action.

How quickly can I get money out?

Most holdings sell the same business day. Products with a term state their lock-up and their early-exit fee before you commit. A withdrawal screen tells you what is available now, what is available today, and what is locked until when.

What happens in a bad year?

You will be shown the worst twelve months the mix you are choosing has actually had — in money, on your amount, before you choose the plan rather than after. The number is computed from the mix, not quoted from a brochure.

Start with what the money is for.

Five questions, about four minutes, no money needed to finish them. You will see the shortfall before the first dollar arrives.

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