This week the question is whose hand is on the gate. Schwab fixes the line itself: its new assistant does not trade. Robinhood leaves the switch with the customer. At Sibos, banks kept people on payment release while a panel forecast the human coming off. Each item graded for provenance.

A bank asks where wealth came from for its own sake. We begin with who holds it. On Deutsche Bank’s source-of-wealth agent, and the person behind the file.

This week the question moved from where the AI agent stops to who answers when it gets it wrong. Deutsche Bank names an accountable executive; JPMorgan keeps compliance gates; Ant International offers a refund; Apollo's Torsten Slok warns of an "agentic bank run," where no one does. Each item graded for provenance.

AI now turns wills, trusts and entity documents into structured estate data held in the firm's system. The industry's own commentators say owning that data makes advisers "impossibly sticky". Yet the data records who receives what, not why you arranged it so. From the other side of the table: who holds the map of your estate, and who keeps the reasons behind it?

An AI licensed by every institution still faces only the one that deployed it. On Anthropic's spread across the adviser stack, and whose table it sits at.

The firm leaves every meeting with approved, archived minutes. You leave with your memory. On who keeps the record, and what a record of your own would hold.

The human boundary on finance AI came loose from the agent this week: Accenture sold its guardrail list as the product, Ritholtz bought governance from Hadrius before rolling out Claude, and Oasis Group argued per-action costs will cap autonomy. Beneath it, one engine under six products. Each item graded for provenance.

A platform built from thousands of estates cannot be formed from yours. On Luminary, the estate-data layer, and the meaning no aggregate can hold.