Handles the complete advisory lifecycle from digital onboarding through settlement, with built-in MiFID II, FCA Consumer Duty and COBS 9 suitability compliance — institutional-grade controls without enterprise-suite complexity or cost.
Handles the complete advisory lifecycle from digital onboarding through settlement, with built-in MiFID II, FCA Consumer Duty and COBS 9 suitability compliance — institutional-grade controls without enterprise-suite complexity or cost.
WealthOS is built for fca teams in wealth. It is delivered under Outcome-as-a-Service: Xamun invests the build, deploys it on your infrastructure, and you pay per transaction the system processes.
WealthOS carries the following regulatory and compliance surface, enforced in the workflow rather than documented beside it. The GraphIQ compliance layer keeps these rules current as they change.
Not a generic CRM with a portfolio bolt-on. Every module is shaped around how FCA-regulated advice actually works.
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.
Real screens from the live demo you can open above. Your own deployment is a separate instance, branded and configured to your operation.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 BlastAsia keeps it running.
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.
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.
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.
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.
The front office — owned
The engine of record
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 |
| Commercial model | ● One-time perpetual licence | ✕ Licence + integrator | ✕ Recurring per-seat SaaS | ◑ Cheap, then costly |
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.
Bring us one workflow and we will show you WealthOS running it.
