On this SlateCast episode, Nemo.cash CEO Nicholas Scott joined CryptoSlate’s Liam “Akiba” Wright and Nate Whitehill to debate AI-guided investing grounded in verified knowledge. Scott outlined Nemo’s portfolio-insight engine, privateness safeguards, and thematic discovery options, whereas contrasting progressive UAE laws with slower UK oversight and highlighting stablecoins’ promise for frictionless settlements. The dialog underscored steering over recommendation and the way forward for personalised, compliant fintech innovation.
From slideware to a dwell, award-winning product
Nemo.cash started life in 2021 in a crowded subject of investing apps. Scott defined that the staff rapidly had to decide on which core consumer drawback to unravel. Reasonably than constructing primarily for training, Nemo targeted on surfacing actionable alternatives aligned to a consumer’s objectives and danger urge for food—serving to individuals resolve what to purchase and when, with out recommending a single safety to any particular person.
“We don’t have permission to offer … recommendation,” Scott famous, emphasizing that Nemo presents choices and context whereas leaving choices to the consumer.
Steerage, not recommendation: how Nemo frames AI
A centerpiece is Nemo’s day by day, AI-driven “portfolio perception.” With a faucet, customers obtain a concise temporary on what moved of their holdings over the past 24 hours—stitched collectively from related headlines and worth motion—plus concepts to enhance diversification. The expertise is designed to avoid wasting time and floor “fascinating tales,” not simply the most important movers, so customers be taught why their portfolio behaved the way in which it did and discover adjoining belongings or ETFs which may rebalance danger.
Wright underscored the purpose that any AI abstract have to be grounded:
“And it’s wonderful writing that again, however it wants the actual fact to start with. You can not get belief.”
Scott agreed, explaining Nemo’s strict separation between information and language fashions: the staff licenses fundamentals, volumes, and sentiment from tier‑one monetary knowledge distributors, then feeds that reality set into the LLM to generate consumer‑particular insights.
“We discovered that early doorways: purchase from good knowledge suppliers.”
Fact first: mannequin technique and privateness
Not each function calls for the newest, priciest mannequin. For factual, template‑like updates (e.g., refreshed firm well being summaries generated from fundamentals), Nemo can depend on established fashions. For drawback‑fixing duties—like suggesting diversification paths from a consumer’s present holdings—the corporate opts for newer fashions. Scott additionally burdened privateness: consumer portfolios are anonymized earlier than being processed, and personally identifiable data isn’t handed to exterior AI instruments.
The place regulation actually leads: UAE vs. UK (and stablecoins)
Requested the place probably the most ahead‑pondering regulation is rising for AI and crypto, Scott pointed to the UAE. Dubai’s willingness to pilot and fund innovation permits corporations like Nemo to iterate quicker, he stated, contrasting that tempo with the UK’s slower regulatory cadence. Stablecoins additionally featured: clearer frameworks promise to simplify the cross‑border funds that brokers wrestle with day by day—an space the place crypto’s authentic “worth switch” design can meaningfully cut back friction.
Past mega‑caps: discovery on the edges
Nemo lists hundreds of devices throughout asset lessons, with crypto at present obtainable by way of CFDs as the corporate explores deeper integrations. A key KPI for the staff is breadth of engagement: customers aren’t simply piling into the identical handful of names. Options that cluster securities round funding concepts (“AI infrastructure,” “carbon seize,” and so on.) encourage discovery aligned with every consumer’s pursuits and goals moderately than merely amplifying the most important tech shares.
Wright captured a typical analysis ache level—discovering the much less apparent picks round a theme (e.g., suppliers to chip producers). Nemo’s forthcoming functionality auto‑assembles thematic baskets on the fly from a consumer’s pure‑language question and explains the related sub‑sectors in plain English.
Personalization: from briefings to AI‑generated podcasts
The subsequent step in Nemo’s portfolio temporary is format flexibility. Scott revealed the staff is piloting an AI‑generated audio model—basically a personalised “mini‑podcast” that may inject well timed context (upcoming macro occasions like FOMC, non‑farm payrolls, or crypto‑particular catalysts) and adapt depth or tone to the listener’s sophistication. The lengthy‑time period imaginative and prescient is content material that meets customers the place they’re—channel, language, and complexity—with out condescension or knowledge leakage.
Wright additionally pressed on availability. Nemo launched below Abu Dhabi regulation and is seeing traction throughout the Center East and Africa with natural curiosity from Europe. The U.S. market stays on the roadmap, with the staff watching regulatory motion carefully.
Wright, on CFDs: “It’s a commerce, not an funding, isn’t it?” — a reminder that product design and disclosures should match consumer intent and jurisdictional guidelines.
Closing
The SlateCast episode with Nicholas Scott provided a transparent view of the place AI‑guided investing is headed: truthful knowledge first, fashions second; steering over recommendation; and personalization with out compromising privateness. From discovery instruments that transcend mega‑caps to AI‑generated portfolio briefings, Nemo’s method reveals how cautious product decisions can flip noise into sign.
As regulatory frameworks round AI and stablecoins mature—and extra jurisdictions pilot pragmatic guidelines—the fusion of digital belongings and conventional markets will solely speed up. The intersection of compliant innovation, consumer‑centric design, and reliable knowledge is ready to be one of the crucial consequential areas to look at within the coming years.
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