Impact
What changes for an advisor, a supervisor and a firm when the step after the insight is automated up to the human gate. Sized to what was measured.
An insight engine can flag millions of opportunities a year. The hours and the risk sit in the step after: evidence, options, note, audience, regime, disposition, follow-up. Relay is that step.
On a 300-household book the agents raise every finding the expected side raises and none it does not, brief every household, and find what clients said, each cited.
It fits what is already there: read-only over 23 tools and channels a practice already runs. The advisor keeps sending from their own mail.
The problem it is built for
A wealth manager's insight engine can flag tens of millions of client opportunities a year. What it cannot do is turn one into a documented, approved, client-facing action: the evidence read, the options compared, the note composed, the audience counted, the supervisory regime decided, the finding dispositioned, the follow-up owned. That step is where the hours go and where the risk sits. Relay does everything up to the gate and hands the decision to a person.
Measured on a 300-household book, in the browser
300
Households read, 585 captured messages
297
Compliance findings across 6 rules, every one cited
300
Briefings, 711 things named as not established
430
Opportunities found in what clients said, cited to the sentence
Every figure is reproduced by the evaluation in the check suite: an expected side that imports nothing from the engines works out what each agent should find, and the run matches it with nothing missed and nothing raised wrongly. The report is in the repository under evals/. The whole book runs in seconds on a laptop; the Sources screen shows the milliseconds per step live.
For the advisor
YouDecisions, not reading
The morning opens with what only a person can decide, worst first. The reading, the citing and the drafting happened overnight. Each row is one decision with its reasoning one click away.
YouCalls made on figures
Every option carries after-tax income, cost over the horizon, access, rate risk and the morning after. The surprise happens on screen, not in the file.
YouAn answer in one question
Cash cover, what a client said, what needs you first: asked in plain words, answered from the records, cited.
For the supervisor
AgentWhole-book surveillance
8 desks read every account, every captured message in both directions and every draft, on a cadence. A rule whose source is missing says so rather than clearing.
AgentPolicies become rules
A written procedure is read into candidate rules cited to its sentences; a principal adds the ones the firm meant. The gap between the policy binder and the surveillance shrinks to a review.
AgentStricter, never looser
The proposer reads ninety days of findings and proposes tightenings with the evidence. Every layer can tighten; none can loosen; every refusal is on the record.
For the firm
Defensible by construction
Every claim cites a record. Every verdict is reproducible from the facts and the rules as they stood. A refusal is a first-class outcome. Nothing is sent by a system.
13 rules, and the next one is a file
A rule, a desk, a client, a document, a connector: data, not code. A change is an attributed entry in a log the console replays.
Fits what is already there
Read-only over the CRM, the custodian, the archive, planning and e-sign. Nothing is replaced. A model, where used, composes language and decides nothing.
What this does not claim
Next: How it works, the loop, every morning.