Why an AI Advisor Should Never Move Your Money

An assistant that knows your whole financial picture is useful in proportion to how much it knows, and dangerous in the same proportion. These are the four boundaries we built the Lait advisor inside, and why.

1. It reads. It does not act on your money.

The advisor can see your portfolio, net worth, real assets, debts, transactions and your risk profile. It cannot place a trade, move a transfer, or touch a bank. Every connection Lait holds is read-only by construction (see the Open Banking memo), so there is nothing for a model to misuse even if it were fooled into trying.

2. Every write inside Lait is a confirmation card, never a side effect

The advisor can propose changes to your own records: add a manual position, adjust a budget, log a trade. A proposal arrives as a card you read and confirm. The model's text cannot trigger the action, and the protocol that carries the proposal is stripped from anything the model itself writes, so a prompt that tries to smuggle an action through the answer produces nothing.

3. Charts are computed by the server, never by the model

When the advisor shows an allocation chart or a rebalance table, the numbers in it come from your real portfolio, computed by Lait, not from the model's arithmetic. The model chooses what to show and narrates it; it never supplies a figure that gets drawn. A language model is a poor calculator and a good explainer, and the design keeps each to its job.

4. What leaves for the model is the minimum, anonymised, and never trains anything

Before any context is sent, IBANs, emails, phone numbers and account numbers are removed. The advisor gets balances, positions and merchant names, because those are what your question is about; it does not get identifiers. Every provider is used under API terms in which inputs are not used for training. Nothing you share trains a model. Your data is not the product.

What it is good at

• Answering "what is my exposure to X" across accounts, in seconds.
• Explaining a month: where the money went, what was unusual.
• Proposing a rebalance and showing the euros to move, on your real numbers.
• Reading the tax estimate and saying what would change if you sold in January instead of December.

What it is not

It is not regulated financial advice, and it does not pretend to be. It reasons from your numbers with the same limits any model has: it can be confidently wrong about the market, and it does not know what you did not connect. Use it the way you would use a well-read friend with your spreadsheet open: to think faster, not to decide for you.

Models and tiers

The free tier runs on smaller models; Premium adds larger ones and an effort setting that picks the model per question. The server enforces which model you can use, whatever the client asks for, and every call is metered so a runaway conversation cannot run up a bill.