From a single question to a structured advisory response, WTFXAI plans, coordinates, critiques, and explains the work behind each recommendation. It provides guidance only — it never executes trades or moves money.
Input your income, fixed expenses, liquid cash, liabilities, risk posture, and target goals. WTF compiles your real-time financial position — the foundation for every advisory response.
When you ask a question, the backend sanitizes sensitive identifiers and formats a structured context payload representing your net financial state — no raw credentials reach AI models.
WTFXAI interprets the question and chooses the financial tools that are genuinely needed — making the plan inspectable rather than hiding the work behind a generic answer.
Independent analyses run in parallel where possible; dependent work runs in sequence. Portfolio health, goal feasibility, liquidity, and stress tests use exact code engines — not language model estimation.
The agent combines tool results, checks whether the response is grounded, retries planning when needed, and saves the consultation so you can continue the discussion later.
Instead of standard chatbot conversational output, WTF delivers structured briefs formatted with financial tables, rationale, and specific next steps.
Your financial profile is isolated. Raw database keys, account credentials, and personal identifiers are stripped server-side prior to AI model execution.
Ratios, stress-test calculations, and portfolio health scores are computed with exact math. You never have to trust language models with arithmetic.