The advisor describes, in their own words, what their client needs. Capvise computes an investment proposal from that — and lays open every step that leads there. For the client and for the regulator alike.
They describe the request the way they hear it — no clicking through input forms. Where something is missing, Capvise asks instead of assuming.
What was said becomes a verifiable picture of the client: goals, horizons, risk appetite, limits. From that, an established optimization method computes the proposal — within the product universe and the guidelines of the institution.
Every weighting carries its derivation with it. In plain language for the client, verifiable for the audit.
“That AI is coming to advisory is no longer up for debate. The only open question is who will be first to deploy it in a way that stands up to the regulator.”
A language model that talks about investing is not yet advisory software. The difference lies between question and answer.
The language model turns the conversation into verifiable quantities. The allocation is computed by an established method from financial mathematics. No proposal comes into being because a model phrased it plausibly.
Every result passes through a multi-stage chain of checks: Can the request be answered responsibly? Is the proposal consistent with the investor profile, target market and house view? Does the explanation match what was computed? Whatever fails is not returned.
The derivation is not an explanation generated after the fact. It is the result itself: every weighting traces back to an assumption, every assumption to a sentence from the conversation.
Investment advice is one of the most densely regulated processes in banking. Anyone deploying AI there cannot bolt compliance on at the end. We build Capvise along MiFID II, WAG 2018 and the EU AI Act — and make it visible to the client that AI is involved.
The roles stay as they are: the client relationship, the decision and the responsibility remain with the bank and its advisor. We provide the foundation.
In ten years, no one will understand why good advice depended on the size of the portfolio.
That sound advice is only offered above a certain level of wealth is not a stance. It is arithmetic: a properly derived proposal costs days. We bring it down to seconds — and with that, the threshold falls.
What is called private banking today becomes what every bank client simply gets. And advisory quality becomes measurable for the first time: every proposal carries its reasoning, and every bank can not only state its house view but prove it.
The lead is built now: those who join early shape the solution around their own processes instead of adapting to someone else's later. For the first pilot phase we are working with a handful of institutions. If yours should be one of them, let's talk.
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