Nemo.money’s Nicholas Scott on AI-guided investing, truthful data, and where regulation really leads

On this SlateCast episode, Nemo.money 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 steerage over recommendation and the way forward for customized, compliant fintech innovation.

From slideware to a reside, award-winning product

Nemo.cash started life in 2021 in a crowded area of investing apps. Scott defined that the crew shortly had to decide on which core person downside to unravel. Somewhat than constructing primarily for training, Nemo targeted on surfacing actionable alternatives aligned to a person’s targets and danger urge for food—serving to individuals determine what to purchase and when, with out recommending a single safety to any particular person.

“We don’t have permission to present … recommendation,” Scott famous, emphasizing that Nemo presents choices and context whereas leaving choices to the person.

Steering, 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 during the last 24 hours—stitched collectively from related headlines and worth motion—plus concepts to enhance diversification. The expertise is designed to save lots of time and floor “fascinating tales,” not simply the most important movers, so customers study 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 should be grounded:

“And it’s superb writing that again, but it surely wants the very fact to start with. You can not get belief.”

Scott agreed, explaining Nemo’s strict separation between info and language fashions: the crew licenses fundamentals, volumes, and sentiment from tier‑one monetary knowledge distributors, then feeds that reality set into the LLM to generate person‑particular insights.

“We realized that early doorways: purchase from good knowledge suppliers.”

Reality 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 downside‑fixing duties—like suggesting diversification paths from a person’s present holdings—the corporate opts for newer fashions. Scott additionally careworn privateness: person portfolios are anonymized earlier than being processed, and personally identifiable info isn’t handed to exterior AI instruments.

The place regulation actually leads: UAE vs. UK (and stablecoins)

Requested the place essentially 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 firms like Nemo to iterate sooner, he mentioned, 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 scale back friction.

Past mega‑caps: discovery on the edges

Nemo lists 1000’s of devices throughout asset courses, with crypto at the moment accessible through CFDs as the corporate explores deeper integrations. A key KPI for the crew 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 person’s pursuits and targets somewhat 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 person’s pure‑language question and explains the related sub‑sectors in plain English.

Personalization: from briefings to AI‑generated podcasts

The following step in Nemo’s portfolio temporary is format flexibility. Scott revealed the crew is piloting an AI‑generated audio model—primarily 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 underneath 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 crew 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 person 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; steerage over recommendation; and personalization with out compromising privateness. From discovery instruments that transcend mega‑caps to AI‑generated portfolio briefings, Nemo’s strategy reveals how cautious product selections 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, person‑centric design, and reliable knowledge is ready to be one of the consequential areas to look at within the coming years.

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