# Investment intelligence

AI-powered market insights. We're building intelligent tools to help you invest smarter.

When you invest, your capital is at risk.

AI-powered market insights.
We're building intelligent tools to help you invest smarter.

## Turn market noise into meaning

Easy to use features that are built to inform, not distract.

## Know why your portfolio moved

Lightning updates

When a stock you own or watch makes a material move, Lightyear AI sends digestible news summaries instantly onto your portfolio screen. Stay ahead of the trends that move markets.

## Know why the price moved

Why did it move?

Choose any period on a price chart to reveal what may have driven the move - earnings, sector swings, or global events. You can scroll through history, with the context baked in.

## Know why the people moved

Bulls Say / Bears Say

What’s the case for - and against - a stock? Get both angles, drawn from trusted sources and analyst sentiment, so you can make informed decisions.

## Built for privacy

The insights generated by Lightyear AI are based on public news and market data. No information about you or your portfolio is shared with model providers.

The goal of Lightyear AI is to bring broad AI private banking capability into the hands of retail investors.

— Mihkel Aamer, Lightyear Co-Founder & Chief Technology Officer

## So, what’s next?

As we continue to enhance market insights with AI, there are two major themes we’re looking to build products around.

### Lightyear AI

Advice at scale

Your future financial advisor

Self-driving money

Your future portfolio manager

We don’t currently offer advisory or portfolio management services and will need regulatory approval for these activities before we can make the AI features available.

## Keeping your money safe

Trusting us with your investments is something we do not take for granted.

### Multi-country regulation

- Regulated in the UK by the FCA: We’re authorised and regulated by the Financial Conduct Authority ([FRN 987226](https://register.fca.org.uk/s/firm?id=0014G000034WTPOQA4)). Lightyear UK Ltd is a company registered in England and Wales with company number 14367910.

- Regulated in the EU by EFSA: We’re authorised and regulated by the Estonian Financial Supervision Authority (4.1-1/31 and 4.1-1/147) and authorised to operate across the European Union.

### Government insurance

- Your US securities are SIPC protected up to $500,000: Your US securities are held with our partner Alpaca, who is FINRA regulated and a registered member of the Securities Investor Protection Corporation (SIPC).

- EU investor protections insure up to €20,000 across your portfolio: Your assets are covered up to the amount €20,000 by the Estonian Investor Protection Sectoral Fund. Crypto-assets are not covered by any investor compensation scheme in the EU.

### Safeguarding your assets

- We safeguard your cash with authorised banks & financial institutions: Customer funds are held in a mix of AAA-rated BlackRock and J.P. Morgan Asset Management Money Market Funds and cash in authorised commercial banks. Your money is always kept separate from ours.

- Your assets are yours, no one else’s: Your assets are yours, no one else’s. You are the owner of all your investments, and your assets are held in separate accounts. Your assets can’t be touched by our creditors and in the unlikely event of Lightyear’s insolvency, everything is returned to you. Your crypto-assets are no different.

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Canonical: https://lightyear.com/en-es/lightyear-ai