Accountability to a supervisor is not loyalty to you. On the FSB, MAS, and the Bespoke AI Confidante: no institution behind it, entirely on your side of the table.

Collective’s Compass brings AI research, planning and live counterparty bids to the adviser of anyone holding pre-IPO equity, all inside one session. The plan is built from cash needs, concentration and tax, and even giving arrives as a vehicle before a cause. From the other side of the table: at your liquidity moment, what is this wealth for, and who charts the course?

The FSB delivered its finalised AI practices to the G20 this week. We set the week's deployments against what it recommended: money-moving agents with no approval step named in coverage, a read-only Claude plugin, and M1's AI adviser with no human behind it. Each item graded for provenance.

A line a client can toggle is a feature. Ours is absolute: deciding stays with the holder. On Schwab, Robinhood, and the question above the question.

The same AI engine now runs autonomous agents for a bank and prepares the adviser for your meeting, with eight ready-made skills and connectors to your balances, positions and transactions. The limit on what it may do is set for whoever buys it. From the other side of the table: you are the content, not the user, and no one has set a dial for you. Who sets it on your side?