WealthOS — The wealth platform built for FCA-regulated advice.
The compliance-native wealth operating system you actually own. The complete advisory lifecycle — digital onboarding through settlement — with MiFID II, FCA Consumer Duty and COBS 9 suitability enforced inside the workflow, plus the dealing desk, corporate actions and custodian reconciliation the SMB tools skip. Institutional-grade controls without enterprise-suite complexity or cost.
What is WealthOS?
A single-tenant, deploy-per-firm wealth platform covering the full advice lifecycle: onboarding → risk profiling → suitability → proposals → orders → portfolio → fees → settlement — with dedicated consoles for compliance, discretionary management, operations, risk and administration. Compliance is embedded in the workflow, not bolted on beside it: suitability blocks order capture, Consumer Duty outcomes are monitored continuously, and every lifecycle event lands in an append-only ledger.
Who is WealthOS for?
Advisory firms and family offices the enterprise vendors ignore — UK IFA networks and advice firms whose regime WealthOS was shaped around, single- and multi-family offices that need institutional controls without institutional headcount, and DIFC and wider GCC wealth managers served from Xamun's Dubai office. It is delivered under Outcome-as-a-Service: Xamun invests the build, deploys a separate instance on your infrastructure under your brand, and you pay per transaction the system processes.
Why WealthOS wins
Four things no other wealth platform at this tier does at once.
Own it outright
Your own source-available instance under your brand, hosted anywhere, engine-portable by design. The wealth-tech market is consolidating — vendors get acquired, roadmaps die, per-seat rent never ends. A platform you own can't be taken off the market underneath you.
Compliance an examiner can replay
Suitability gates every trade before it happens, Consumer Duty outcomes are monitored live, every lifecycle event lands in an append-only ledger, and every AI decision is logged behind a kill-switch. One click exports it all as an examiner-ready evidence pack. Audit-ready by construction — not an audit scramble each year.
Live in weeks, not fiscal years
A firm-branded instance stands up in weeks — seeded deployment pipeline, config-driven custodian onboarding, a per-seam implementation playbook. Enterprise suites quote 12–24-month projects and opaque pricing for the same ground.
Middle office included, not extra
Dealing desk with best-execution proof, T+2 settlements, corporate actions with elections, multi-custodian reconciliation — the capabilities SMB all-in-ones skip entirely and enterprise vendors price at enterprise money.
New in WealthOS: the loop closes
AI that helps the adviser, evidence that satisfies the examiner, APIs that let partners embed it, and private-markets tracking nobody else offers at this tier — all demoable live, all governed by the same immutable ledger.
Advisor Copilot NEW
Meeting over, follow-up done. Paste a meeting note; get a crisp summary, suggested CRM actions and a ready-to-send, compliance-aware follow-up draft. AI-assisted, adviser-approved — nothing sends automatically, and every interaction lands in the audit trail with its source honestly labelled. Competitors gate this behind paid add-ons; here it's included, and governed.
Regulatory Evidence Pack NEW
When the examiner calls, export the answer. One click turns the immutable event ledger into an examiner-ready pack — PDF for the meeting, JSON for the reviewers' tooling — with a SHA-256 integrity digest, so tamper-evidence can be demonstrated live. Generating a pack is itself recorded in the ledger: the audit of the audit.
Partner API NEW
Your wealth platform, embeddable. A versioned, read-only /v1 partner surface lets banks and fintechs embed WealthOS data in their own products — scoped keys stored hashed and shown exactly once, per-key usage metering, one-click revocation, OpenAPI-documented, with key creation and revocation ledger-audited like everything else.
Private Markets Tracker NEW
Alternatives without the spreadsheet. Commitments, capital calls and K-1 season tracked per client across the adviser's whole book — committed / called / uncalled rollups, automatic overdue-call flagging, per-fund K-1 checklists — the alternatives workflow that until now only family-office platforms offered, with every status change written to the ledger.
What regulation does WealthOS handle?
WealthOS carries the advice regime in the workflow: COBS 9 suitability blocks order capture, FCA Consumer Duty outcomes are monitored continuously, MiFID II product governance and RTS 28 best-execution reporting are produced from the dealing record, and KYC, AML and SAR obligations are triaged inside onboarding. It is DFSA-ready for firms in the Dubai International Financial Centre and is delivered to the GCC from Xamun's DIFC office. The GraphIQ compliance layer keeps these rules current as they change.
- FCA
- COBS 9 suitability
- Consumer Duty
- MiFID II product governance
- RTS 28 best execution
- KYC / AML & SAR
- DFSA-ready (DIFC)
What can WealthOS do?
Not a generic CRM with a portfolio bolt-on. Twenty-six working modules shaped around how regulated advice actually works — including the middle and back office most platforms at this price point don't attempt.
Full advisory lifecycle
Digital onboarding, risk profiling, suitability, portfolio proposals, order capture and settlement — one continuous, auditable flow from prospect to funded mandate.
COBS 9 suitability gating
Every proposal and advisory order passes a MiFID II / COBS 9 suitability check against the client's risk profile before it can proceed — no off-the-rails advice.
FCA Consumer Duty monitoring
The four outcomes tracked in real time with RAG status, a price-and-value distribution that flags outliers, disclosure read-rates and a QA sampling queue over completed suitability checks.
MiFID II product governance
Target market, risk-reward, knowledge and distribution strategy are versioned, published and locked — then synced to the denormalised fields the pre-trade suitability gate reads.
Governed AI agents
Autonomous agents — like the idle-cash investment sweep — run behind a tenant-wide kill-switch, policy gates and a complete, immutable audit trail of every prompt, thought and action.
Consolidated household portfolio
Time-weighted and money-weighted return, asset-class breakdown, a filterable transaction ledger and downloadable periodic statements — across the entire family, in one view.
KYC / AML triage
PEP, sanctions and large-transaction escalations with document and OCR side-by-side, clear-or-escalate decisions, and one-click suspicious-activity reports to the immutable ledger.
Dealing desk & best execution
Aggregate executed orders into block trades, allocate fills fairly with largest-remainder rounding, and monitor RTS 28 best execution with signed slippage and per-venue summaries.
Settlement & corporate actions
The full T+2 settlement lifecycle with custodian SSI matching, plus dividends, coupons, splits, rights and mergers — mandatory and voluntary — processed against the engine of record.
Role-based operations
Distinct workspaces for advisers, clients, compliance, operations, risk, analysts, discretionary managers and administrators — each scoped by route guard and server-side authorization.
What does WealthOS look like?
Real screens from the live demo you can open above. Your own deployment is a separate instance, branded and configured to your operation.
Watch WealthOS in action
Two walkthroughs — one from the client's seat, one from the back office. Recorded on the live demo you can open above.
Your wealth, in your pocket
The full client journey: one-tap sign-in, the consolidated household portfolio, live performance, and reviewing, accepting and funding an adviser's proposal through open banking.
Every role, end to end
Adviser, compliance, discretionary manager, operations and risk. Purpose-built workspaces, COBS 9 suitability gating, RTS 28 best execution, and governed AI — all wired in from day one.
AI an FCA examiner would actually sign off on
Regulated advice can't run on a black box. Every automated decision in WealthOS is deterministic where the rules demand it, explainable on every output, and wrapped in a tenant-wide kill-switch with a complete audit trail. And it all runs inside your own infrastructure — no client data ever leaves your tenant for a third-party AI service. Intelligence that assists the adviser and never escapes human control.
Governed AI agent framework
Every autonomous agent runs behind a tenant-wide kill-switch and per-agent policy gates — value caps, scope limits, approval thresholds. Anything beyond a gate is queued for a human decision, and every prompt, recommendation and action is written to an immutable audit trail.
Autonomous idle-cash sweep
An agent that watches client accounts for idle cash above a policy threshold and proposes a model-aligned reinvestment sweep. Within its limits it can act; above them it asks. A live proof point for governed automation — fully reversible and signed into the audit trail.
Risk & suitability engine
A COBS 9 scoring engine turns the client questionnaire into a risk category — and flags the contradiction when appetite outruns capacity to absorb loss, capping the recommendation and demanding adviser consultation. Deterministic, reproducible and defensible line by line.
Mandate-drift & auto-rebalancing
Portfolios are continuously measured against their model's target weights. When drift breaches the threshold, WealthOS generates the corrective buy/sell proposal automatically — ready for the manager to approve and route to the engine as advisory orders.
Performance & cashflow analytics
Time-weighted and money-weighted return computed server-side from the valuation time series — flows neutralised, IRR solved numerically — alongside multi-year cashflow projections that turn a client's goals into a fundable plan.
KYC / AML triage signals
PEP, sanctions and large-transaction patterns surface as clear-or-escalate signals into the compliance queue — every flag explainable, every clear-or-escalate decision captured, with one-click suspicious-activity reporting to the ledger.
See an at-risk client — or an idle balance — before it costs you
Retention is revenue and liquidity is opportunity. WealthOS scores every client in an adviser's book for churn risk and forecasts their cash — and, crucially, shows the factors behind every number, so each signal is something an adviser can act on and a compliance officer can defend. It's decision-support, never an automated action.
Explainable churn scoring
A transparent model scores each client 0–100 from engagement signals — net withdrawals, login inactivity, advice-contact gaps, complaints, satisfaction and tenure. Deterministic and reproducible, not a black box.
Ranked drivers, not just a number
Every score breaks down into the factors driving it, with each one's contribution — so an adviser knows why a client is flagged and exactly what to address first.
AI-drafted retention outreach
One click drafts a warm, compliance-aware outreach for an at-risk client — through the same governed inference provider, with a private, self-hosted model in production. The adviser reviews and sends.
Cash-flow & idle-cash forecasting
Projects each client's cash balance from recurring flows, with a confidence band, and flags when it will cross an idle threshold — turning the governed idle-cash sweep from reactive to anticipatory. The adviser still decides.
Connect any custodian — on infrastructure you own
Multi-custodian breadth is only a vendor lock-in when you rent the platform. Because you own WealthOS, your custodian agreements and credentials stay yours — WealthOS provides the standards-native engineering that speaks to them, and Adroit Professional keeps it running.
Standards-native ingestion
Adapters built to the open standards every custodian already speaks — SWIFT ISO 15022 (MT535 holdings, MT536 transactions), ISO 20022 semt, FIX and Open Banking. Any conforming feed normalizes into one canonical book of record.
Config-driven onboarding
The long tail of custodians that just send a file onboard by mapping columns, not writing code — so "many custodians" scales by configuration instead of N bespoke builds. Your credentials, your sandbox, your relationship.
Reconciliation & certification
A reconciliation engine surfaces every break against your book — missing positions, quantity and value mismatches — and a certification harness proves each adapter against golden fixtures before it ever goes live.
WealthOS for advice. Cumulus Quartz for the engine. Both yours.
An all-in-one wealth platform is one rented system, front to back. WealthOS plus Cumulus Quartz spans the same ground — owned and best-of-breed: WealthOS runs the front office, Cumulus Quartz is the cloud-native engine of record behind it, and the adapter that joins them ships in WealthOS today.
WealthOS
The front office — owned
Cumulus Quartz
The engine of record
The winning balance of cost and capability
Stacked against the ways UK advice firms run their books today.
| Capability | WealthOS Purpose-built for FCA advice | Enterprise wealth suite(Avaloq / FNZ / SS&C) | Foreign wealthtech SaaS(global vendors) | Spreadsheets / CRM |
|---|---|---|---|---|
| COBS 9 suitability gating | ● Built-in | ✕ Custom build | ✕ Not localized | ✕ Manual |
| FCA Consumer Duty monitoring | ● Built-in | ◑ Module | ✕ Generic | ✕ Manual |
| MiFID II product governance | ● Built-in | ◑ Add-on | ◑ Partial | ✕ None |
| KYC / AML, PEP & sanctions, SAR | ● Built-in | ◑ Module | ◑ Generic | ✕ Manual |
| Consolidated household TWR / MWR | ● Native | ● Yes | ◑ Varies | ✕ Error-prone |
| RTS 28 best-execution monitoring | ● Built-in | ◑ Module | ◑ Partial | ✕ None |
| T+2 settlement & corporate actions | ● Built-in | ● Yes | ◑ Varies | ✕ Manual |
| Governed AI agents (kill-switch + audit) | ● Built-in | ✕ No | ✕ Rare | ✕ None |
| Open-banking proposal funding | ● Native | ◑ Integration project | ◑ Custom | ✕ Manual |
| Immutable advice / event ledger | ● Immutable | ● Yes | ◑ Varies | ✕ Error-prone |
| Client portal / installable app | ● Included | ✕ Separate project | ◑ Varies | ✕ None |
| Time to go live | ● Weeks | ✕ 12–24 months | ◑ Months | ● Immediate* |
| Source code ownership & white-label | ● You own & rebrand it | ✕ Vendor-locked | ✕ Vendor's product | ◑ Files only |
| Hosting & data residency control | ● Your infra, any region | ◑ Vendor-defined | ✕ Vendor cloud only | ◑ Your device |
A family office runs the same machinery — with a different auditor.
Single- and multi-family offices need what an advice firm needs — consolidated positions, defensible decisions, a complete record — but the second reader isn't a regulator. It's a trustee, a beneficiary, the next generation. WealthOS was built so every decision can be replayed for whoever asks, which makes it as natural a fit for a family office as for an FCA-regulated adviser. Institutional controls without institutional headcount, on infrastructure the family owns.
The whole family — or just my share
One consolidated household by default — every member's accounts, allocation, time- and money-weighted performance and statements in a single live view — and any member can narrow it to their own holdings with one tap, then switch back. Transparency by default, privacy on request.
Private markets, tracked properly
Commitments, capital calls and K-1 season across the book — committed, called and uncalled at a glance, overdue calls flagged automatically, per-fund statement checklists. The alternatives workflow that until now meant either a spreadsheet or a platform priced for the UHNW tier.
Governance the next generation can read
Every decision, every AI recommendation and every status change lands in an append-only ledger, exportable as a one-click evidence pack with an integrity digest. What satisfies an examiner also settles a question at the family council — the same architecture, a different reader.
The balance sheet never leaves
Single-tenant by design: your own instance, your own infrastructure, your own source. A family balance sheet never sits in a shared vendor cloud, and no vendor's acquisition, pivot or price rise reaches the system that holds it.
Built for FCA. Ready for DIFC. Delivered from Dubai.
Xamun's Gulf office sits inside the Dubai AI Campus at DIFC — the financial centre where GCC private wealth is consolidating, and now the fastest-growing family-office hub in the world: DIFC counted around 1,289 family-related entities in 2025, up from roughly 800 the year before, served by its Family Wealth Centre. The DIFC regime shares its DNA with the UK rulebook WealthOS was built around: client classification, suitability, best execution and consumer-protection duties map naturally from FCA COBS to the DFSA's conduct rules, so the compliance spine arrives already shaped for the Gulf.
Deployed in-region
A single-tenant instance on UAE or GCC infrastructure of your choice — data residency by architecture, not by contract addendum.
AI a Gulf regulator can inspect
Governed agents with kill-switches and full audit trails fit the UAE National AI Strategy 2031 and the Gulf's agentic-AI direction of travel — automation that is examinable, not a black box.
On the ground at DIFC
AI Campus, Level 3, Innovation One, Dubai International Financial Centre — walkthroughs and workshops in your timezone, in person.
Delivered with Adroit Professional
WealthOS is built on the Xamun Software Factory and taken to market with Adroit Professional (Adroit Professional Ltd, London — company no. 10885542, operating since 2017), the AI transformation partner that runs the wealth and financial-management practice around it. Adroit is led by Neil Rowatt, whose career was made in finance and wealth management and who retired as Deutsche Bank's Chief Technology Officer for Europe — the practice exists because of that background rather than adjacent to it. Adroit publishes WealthOS as its illustrative Wealth & Family Office operating system, and carries the engagement from executive strategy through delivery and into continuous optimisation.
The full advisory lifecycle, not a module
Adroit's wealth practice covers digital onboarding, COBS 9 suitability and advice, in-platform proposal and funding via open banking, execution, and ongoing servicing — one production-grade vertical system, so nothing hands off to a spreadsheet, a PDF or a second platform along the way.
Compliant by design, not by retrofit
Every workflow is built against the regime it sits under rather than adapted to it afterwards: MiFID II product governance, FCA COBS 9 suitability gates, Consumer Duty outcomes monitoring, RTS 28 best execution and UK GDPR / DPA 2018 handling across the whole lifecycle.
Strategy, delivery and optimisation in one rhythm
Discover, design, deliver, optimise — executive AI strategy and enterprise discovery up front, AI-assisted engineering to build, then continuous measurement of cost, productivity and client outcomes. Small expert teams and short cycles instead of a multi-year platform programme.
Measured on the outcome, not the hours
Adroit contracts against the business result an engagement was designed to produce — manual effort removed, onboarding time cut, operating cost lowered, regulatory readiness improved — which is the same basis Xamun sells WealthOS on.
How do you buy WealthOS?
Under Outcome-as-a-Service, with no upfront CAPEX. What you open above is a demo instance; what you buy is your own separate deployment — on your infrastructure, under your brand, source-available, and configured to how your operation actually works. Xamun invests the build, and you pay a per-transaction fee on what the system processes. A slow month is a small invoice; if it does not run, you do not pay.
Where WealthOS fits
See WealthOS on your own numbers
Bring us one workflow and we will show you WealthOS running it.