# 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

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.

## Protection and regulation

Trusting us with your investments is something we don’t take for granted.

### Regulated and insured

- Regulated by the FCA: We're authorised and regulated by the Financial Conduct Authority ([FRN 987226](https://register.fca.org.uk/s/firm?id=0014G000034WTPOQA4)).

- FSCS protection: Lightyear is protected by the Financial Services Compensation Scheme (FSCS). FSCS deposit protection applies to client money only where held with UK banks, not where held in QMMFs. [Learn more here](/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected).

### Safeguarding your assets

- We safeguard your cash: Customer funds are held in a mix of Citibank and NatWest bank deposits and AAA-rated Qualifying Money Market Funds. Your money is always kept separate from ours. FSCS protection applies to client money only where held with banks, not where held in QMMFs. [Learn more here](/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected).

- Your assets are yours, no one else's: You are the beneficial 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.

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