Sold to banks, not to investors
OpenInvestor is a whitelabel platform sold to retail banks, private banks, and IFA platforms. It is not a direct-to-consumer roboadvisor. The buyer audience is the institution, not the end-investor.
PIPELINE · EARLY ACCESS · COMING SOON
AI-native investment guidance for banks & wealth managers.
OpenInvestor is a pipeline product. It is in design today, with early access opening to a small number of banks, wealth managers and IFA platforms in the second half of 2026. There is no live demo yet. Join the early access list to be among the first.
OpenInvestor will bring the OpenLI agentic AI foundation to personalised investment guidance — sold to banks and wealth managers as a whitelabel platform, never direct to retail investors. Built on the same OpenLI Codex runtime that powers every other OpenLI product, with the same governance, audit trail and dual-runner architecture, specialised for FCA Consumer Duty and MiFID II alignment from day one.
Pipeline · Early Access
Early access opens 2026 H2
FCA Consumer Duty alignment
MiFID II suitability
Built on OpenLI Codex
Why OpenInvestor — the vision
Wealth management is undergoing a fundamental shift from human-only relationship management to AI-augmented advice. Existing roboadvisors are rules-based; the next wave is conversational and context-aware. But in banking, AI must be auditable, explainable, and compliant with FCA Consumer Duty, MiFID II, and EU AI Act high-risk-system rules. That is exactly the OpenLI Codex thesis applied to finance.
Aligned with FCA & MiFID II
Built for FCA Consumer Duty alignment from day one. MiFID II suitability and appropriateness checks baked into the workflow. EU AI Act high-risk-system governance: human-in-the-loop, audit logs, model documentation.
The OpenLI Codex foundation
Same dual-runner architecture, same audit trail, same multi-tenant model as the rest of the OpenLI portfolio. One security review covers OpenInvestor plus every other OpenLI product the institution adopts.
What we’re building
The capabilities below are the planned scope of OpenInvestor v1. They are not shipping today; they describe what early-access banks and wealth managers will see.
Personalised investment agents
Will support: investment guidance agents personalised to each client’s stated objectives, risk profile, regulatory context, and time horizon — with explainable reasoning on every recommendation.
Explainable recommendations
Will support: every recommendation traces back to client profile + market context + regulatory constraints, with the underlying reasoning visible to the bank’s adviser and the auditor.
Suitability & appropriateness checks
Will support: built-in MiFID II suitability and appropriateness checks at every recommendation. Non-suitable recommendations are blocked before they reach the client.
FCA Consumer Duty alignment
Will support: the four FCA Consumer Duty outcomes (products and services, price and value, consumer understanding, consumer support) baked into the workflow.
EU AI Act high-risk governance
Will support: human-in-the-loop control points, audit logs, model documentation, post-market monitoring — the EU AI Act requirements for high-risk AI systems applied to financial advice.
KYC / AML integration
Will support: integration surfaces for the bank’s existing KYC and AML systems. OpenInvestor enriches the institutional workflow without replacing core compliance infrastructure.
Multi-tenant whitelabel
Will support: per-institution branding, per-institution skill libraries, per-institution audit log isolation. One OpenInvestor deployment can serve a bank, a private bank, and an IFA platform from the same instance.
Dual-runner architecture
Will support: Claude Agent SDK + OpenAI Codex SDK switchable per tenant. Banks on Azure OpenAI can run OpenInvestor on Azure without ever touching the Anthropic API.
Designed for whitelabel from day one
Unlike most fintech platforms, OpenInvestor is designed from day one for whitelabel deployment to financial institutions — not as a direct-to-consumer brand looking to white-label later.
FOUNDATION
Built on OpenLI Codex
OpenInvestor will inherit the OpenLI Codex governance posture, dual-runner architecture, audit framework and multi-tenant model from day one. The same foundation that powers our shipping healthcare integration products powers our pipeline finance products.
PIPELINE · EARLY ACCESS
Be among the first banks to deploy AI investment guidance with built-in governance.
OpenInvestor early access opens in 2026 H2 to a small cohort of banks, private banks, wealth managers and IFA platforms. Join the list to be considered for the early-access cohort.