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Protocol Wealth

Engineering substrate transparencyaggregate substrate materialnot investment advicenot advisory performance

Build in public

Milestones

A curated summary of the major capabilities we've shipped across the Protocol Wealth platform. This is a milestone summary, not a full engineering changelog — we keep the detailed, date-ordered log internally and publish the headline progress here.

See/how-we-workfor the underlying posture and/agentsfor the RIA agent substrate.

Last build: 2026-07-27.

Protocol Wealth — Platform milestones

A high-level summary of the major capabilities Protocol Wealth has shipped. This is a milestone summary, not a full engineering changelog — we keep the detailed, date-ordered engineering log internally and publish the headline progress here.

Protocol Wealth, LLC is an SEC-registered investment adviser (CRD #335298). Nothing on this page is investment advice, a performance record, or a description of any client account.

What's live today

Client onboarding. A prospective client invited by an advisor moves through identity verification and AML screening, a scored risk-tolerance assessment, and an advisor-reviewed promotion into a live client portal — with each step captured for books-and-records. In-platform e-signature, executed through a third-party e-signature provider with tamper-evident record retention, is now proven in production on the firm's own governance documents; e-signature of client advisory agreements is being integrated on that same pipeline.

Client portal. A signed-in client can see their net worth and portfolio, link financial accounts, review advisor-curated strategy ideas, and ask an AI assistant factual questions about their own finances. The assistant summarizes a client's own data; it does not give advice.

Advisor operating system. Our advisors work in one governed workspace: an AI assistant with a controlled, audited tool set; an onboarding command center that surfaces what needs action across every prospect and client; and a comprehensive financial-planning workflow that turns advisor intake into a full wealth analysis — net worth, asset allocation, protection, estate, charitable, education, and income planning, with scenario analysis — assembled into firm-branded report deliverables, all under human advisor review.

Compliance and security by design. Append-only, multi-year-retained activity records across the platform; a risk-and-governance console with live security-findings feeds for the firm's compliance and security officers; and a privacy boundary that removes personal information before any AI interaction.

Recent milestones (2026)

  • Secure public document upload. Clients and prospective clients can now send documents through a lightweight email-verified upload path. Files are held in private quarantine, scanned before advisor review, and only then made available internally.
  • AI governance and audit hardening. Weekly estate reviews now feed directly into the engineering issue ledger, with new work focused on making AI-assisted write actions require a real human confirmation event and expanding durable audit records on client-facing state changes. This is internal control work: it does not change the no-autonomous-advice, no-trading, and human-review posture.
  • Advisory monitoring and alerts. The platform can now notify an advisor when a client's portfolio allocation drifts from its target model past a set threshold, or when a watched market level is crossed, delivered by email or chat. It is monitoring only: it never places a trade, rebalances, or moves any assets, and every alert is captured for books-and-records.
  • In-platform e-signature, proven in production. The firm's own governance documents are now executed end-to-end through the integrated e-signature pipeline, with tamper-evident retention. The same pipeline now underpins client onboarding and advisory-agreement signing, with final client-signing smoke testing before broader rollout.
  • Advisor chat trust and governance. The advisor workspace now treats generated files, charts, review records, cost controls, provider/skill readiness, and memory suggestions as governed workspace objects rather than chat prose. Artifact cards and audit-backed receipts are the authoritative delivery path, while AI-generated text remains explanatory. New review foundations help the firm sample prompts and responses, monitor cost, review bias signals, and keep memory updates under human control.
  • Portfolio and report-production workspace. The advisor workspace now surfaces portfolio and wealth-analysis readiness in a more structured way: net worth, allocation reconciliation, diversification, model comparison, education references, historical replay context, source quality, missing inputs, and next data actions are visible as producer context before a report is assembled. These tools support advisor analysis and report production; they are not a performance record, client self-delivery path, trading system, or autonomous recommendation engine.
  • Comprehensive wealth analysis. The advisor workspace can now produce an institution-grade financial plan — a net-worth statement, an asset-allocation review, and protection, estate, charitable, education, and income planning, with scenario analysis — assembled into a firm-branded report deliverable, all under human advisor review and the same privacy boundary that governs every AI interaction. Plan summaries are drafted by AI from de-identified numeric inputs only, never client identifiers, and remain advisor-reviewed and no-advice by construction.
  • Complex wealth positioning. The public site now leads with complex, concentrated, modern wealth and a documented fiduciary process: goals and objectives, planning and implementation, risk monitoring, adjustments, and human accountability. Digital assets remain visible as a specialty capability and proof of process, not the primary brand category.
  • Onboarding, invite to portal. A new prospect can enter onboarding from a single-use, time-limited invite, complete identity verification and a risk-tolerance questionnaire, and be promoted to a client after advisor review — and the new prospect's onboarding is isolated from existing client data by design. In-platform e-signature of client agreements is being integrated. The risk-tolerance assessment is scored on a validated, published research instrument, with a separate digital-asset suitability questionnaire surfaced to the advisor for review.
  • KYC/AML access and review. Prospects who need direct identity verification can now start from a public, email-verified KYC path, while advisors review identity and screening status in a controlled internal command center.
  • Advisor planning workflow. The advisor workspace can move from planning notes to reviewed intake, advisor-side analysis, draft report packets, and audit-backed review queues without making the client portal an advice engine.
  • Client AI assistant. Clients can ask a portal assistant factual questions about their own accounts and holdings, under a strict no-advice posture and the same privacy boundary that governs every AI interaction on the platform.
  • Risk & governance console. The firm's external security-findings feeds brought together into one console for our compliance and security officers, alongside a weekly automated review of the engineering estate.
  • Multi-asset portfolio visibility. Portfolio aggregation spanning traditional custodial accounts and on-chain holdings across major networks.
  • Knowledge layer & open-source substrate. Public explainers for how we work and the systems behind the firm, plus the non-client-facing building blocks of our platform published as open source.

How we work

We build in public where we responsibly can. See /how-we-work for our engineering posture and /agents for the AI-agent substrate behind the firm.

What this page is.A transparency surface describing Protocol Wealth's engineering work — what merged, when, and at a high level why. It is aggregate substrate material; it is not a description of investment advisory services, not a performance record, and not advice.

What this page is not.Not investment advice. Not advisory performance. Not a record of client accounts, positions, or returns. Public-repo pull-request references link to GitHub; internal-repo references are rendered as text rather than links.

Protocol Wealth, LLC is an SEC-registered investment adviser (CRD #335298). Registration with the SEC does not imply a certain level of skill or training. Full regulatory disclosures are linked from the site footer.