Product Deep Dive

A typical 10-user wealth firm runs more than ten disconnected tools across CRM, market data, KYC, back office, meeting notes and the people who hold it all together, at £200K to £475K a year. None of them talk to each other, so the firm pays again for integration glue. WealthAi's Professional tier replaces that stack for £72K to £100K. Pricing is published, a base of £250 per user plus modules, capped by firm size, in a market where five of the eight main competitors hide price behind a sales cycle.

WealthAi covers around 80 to 85% of the incumbent reporting depth and adds CRM, trading and compliance in the same product, with one audit trail across all of it. The firm in the example runs those same jobs across seven tools that do not connect to each other.

The WAi Assistant is the orchestration layer of the platform and the only AI in wealth management that is configured around the individual professional rather than their firm. It is live today at Knightons Capital and New College Capital, where it sits above the Research Agent and the Client Advisory Agent and routes work between them. An advisor asks a question in natural language, the Assistant decides which sub-agents handle which part, and the answer assembles in one place rather than spreading across three browser tabs and a saved research note. Over weeks of daily use, the Assistant learns the advisor's role, regulatory permissions, client portfolio, working preferences, and recurring queries.

This individual configuration is the structural argument. In the rest of the industry, a firm signs an enterprise AI contract and the professional using it loses access the moment they leave. With the WAi Assistant, the personal context, query patterns, and trained behaviours travel with the professional to their next firm, while the confidential firm data stays at the regulatory boundary it should. The professional has a personal reason to deepen and tune their Assistant continuously, because the investment compounds for them across their career rather than evaporating at each employer change. Every firm that adopts WealthAi puts more trained Assistants into circulation in the buyer base wealth managers most want to reach. A funded entrant can build an Assistant in a year. They cannot replicate the installed base of professionals who have already trained one without first displacing the platform that holds their working relationship.

MAR surveillance, MiFID II reporting, and FCA conduct rules are the largest non-discretionary cost line in a regulated wealth firm and the source of most operational risk. Most firms still run sample-based monitoring on trades, manual evidence gathering when alerts fire, and reconciliation by spreadsheet for regulatory reports. The Compliance Agent is the wedge product into the European mid-market because compliance is a budgeted spend and a regulatory mandate, not a discretionary upgrade.

The Compliance Agent is live with multiple clients across the Compliance Launch Group. Its differentiation is not the model, it is that the portal and workflow templates were co-designed with real compliance officers across the anchor cohort. The first cohort, Saranac (anchor MSA signed April 2026) and Patronus Partners, is live in production, shaping how alerts surface, how evidence trails are constructed, how escalation paths route, and how regulator-ready reports assemble. JM Finn, Rathbones, Mediobanca, Plurimi and Alti Tiedemann are activating next inside the Compliance Launch Group. Saranac also runs a separate compliance working group of 40+ wealth firms that is actively engaging with WealthAi as future customer pipeline; every firm we now meet has heard about us through that group. The result is a product that fits how compliance teams actually work rather than how an outsider imagines they work. A funded competitor can hire model engineers in a quarter. The compliance officers who shaped this product are not poachable as a group, and the trust they extended is not transferable. A new entrant has to assemble the cohort, get the meetings, and earn the design input, and is several quarters behind before the first product decision.

The Compliance Launch Group is the cohort sales mechanism that lets WealthAi onboard eight regulated firms simultaneously rather than one at a time. Saranac Partners is the anchor MSA, signed in April 2026. Patronus Partners, JM Finn, Rathbones, Mediobanca, Plurimi, and Alti Tiedemann are in active commercial discussions, with seven of eight target positions filled and a second cohort of five firms already being sourced. The model works because wealth management buyers prefer to adopt new technology as a peer group rather than as a single bet. Saranac as anchor lends credibility, and the other six firms in active discussion lend momentum. The cohort closes faster than parallel single-firm sales cycles would, and the firms onboarded together share the implementation curve and the early-product feedback loop.

Access to compliance officers and decision makers in regulated mid-market firms is itself a barrier to entry. Most cold outreach into this segment fails. Our team has the relationships from decades of operator and capital markets work, which is why the seven firms above returned the call. A funded entrant has to assemble the team that can open these doors before they can sell into them. We expect to be running cohort two while a competitor is interviewing for a compliance lead.

The Marketplace is the layer that lets WealthAi extend across every research, portfolio, compliance, data, and execution capability a wealth firm needs, without building each one in-house. There are seventeen partner relationships across the marketplace. Ollo (agent deployment) is signed with integration complete, and Morningstar, MT Newswires and Stratiphy are signed and live in client deployments today. Flanks (data aggregation), AssistMe (voice and onboarding), SIX and ViaNexus (market and securities data) and ComplyStream (client file backend) are in progress, alongside MDOTM, Axyon, ROYC, WealthKernel, PlannerPal, Tiller, Pretium and Copper.co, all being onboarded into the WAi Assistant interface, with the end-state being one-click activation per client and no procurement project per partner. The integration backlog is being worked through now.

The Research Agent is the visible expression of this in the most heavily used analyst workflow. An analyst asks a question in plain English. The Assistant orchestrates Morningstar fund data, MT Newswire macro headlines, and SIX market data into a single answer with citations back to the source feed. The user gets the full picture in context rather than across three browser tabs and a research note saved to disk. Document analysis layers proprietary firm content (research notes, fund factsheets, investment committee minutes) into the same query, so the answer reflects both external market data and the firm's own house view.

None of the data feeds is exclusive, and a competitor with budget can sign the same commercial agreements. What they cannot replicate quickly is the integration layer that sits underneath. Every connector we have built for one client is immediately available to every other firm on the platform, across all seventeen partner relationships. The same goes for the workflow templates: the MAR Agent that took six months to design with Saranac and the rest of the cohort deploys in a week to the next client, with light per-client integration on email and transaction data. Each new firm we add lowers our delivery cost and accelerates roadmap velocity for every other firm on the platform.

The Client Advisory Agent is what makes WealthAi the operating system of the firm rather than a feature inside it. An advisor preparing for a client meeting today pulls portfolio data from one system, meeting notes from a CRM, recent emails from another, and historical trades from a fourth, and most of the meeting preparation time is spent finding rather than thinking. The Client Advisory Agent collapses that by aggregating every piece of client data, including portfolios, meeting notes, preferences, communications, trades, and regulatory documents, into a single intelligent record per client. Pre-meeting briefs generate automatically and post-meeting action items extract and route into the firm's workflow. The advisor walks into the meeting prepared by the platform rather than by their own admin time.

The deeper consequence is that the Client File becomes the firm's de facto CRM. Every client interaction, document, and decision lives in one place, queryable in natural language. The legacy CRM stack ceases to be the primary system over twelve to twenty-four months of platform use. Trained user Assistants compound personally for every advisor. Custom agents that the firm's team has built on our architecture cannot be ported to a different platform. Marketplace subscriptions, integrated into the firm's daily workflow over months of use, would have to be rebuilt one by one with a new vendor. As regulated capabilities (order routing, custody management, trustee services) come online, the platform absorbs middle and back office functions too. A firm that goes deep on WealthAi cannot reverse that decision without dismantling its operating model. The cost of leaving is the cost of rebuilding the firm's operations stack and retraining every adviser.

Four layers, purpose-built for wealth management. AI-model agnostic from the ground up, with no dependency on any single vendor. The platform routes to the best model for each task across providers, and can adopt new models as they emerge.