AI wealth intelligence that actually knows you.
Not a generic chatbot. Not a search engine. A deeply intelligent system trained on your complete financial picture — delivering insights that would take a team of analysts days to prepare. In seconds.
What Is Genie
For decades, "financial advice" has meant the same thing: generic reports, spreadsheet models built on assumptions, and recommendations that treat you like a demographic segment rather than a person.
Genie is different. It's an AI system that ingests your entire financial picture — every account, every holding, every document, every goal you've shared — and reasons about it holistically.
Ask it anything. Get answers that account for your specific tax situation, your family's needs, your risk tolerance, and your timeline. Not "investors should consider" — but "here's exactly what you should do, and why."
Holdings, transactions, documents, goals, family structure — securely stored and continuously updated
Real-time retrieval and assembly of relevant information based on your query
Advanced LLM fine-tuned for Indian tax law, investment products, and wealth planning
Actionable, personalised answers with citations to your actual data
How It Works
Genie isn't magic. It's engineering. Here's how we turn your scattered financial data into actionable intelligence.
01
We connect to your brokerages, banks, and mutual fund houses via secure APIs. PDFs and documents are parsed using OCR and NLP. Everything is normalised into a unified schema — your complete financial graph.
02
Your data is chunked, embedded, and indexed for retrieval. When you ask a question, Genie identifies exactly which pieces of information are relevant — whether it's a specific holding, a tax document, or a goal you set six months ago.
03
The relevant context is assembled and passed to our fine-tuned model. This isn't generic GPT — it's trained specifically on Indian financial products, tax regulations, and wealth planning scenarios.
04
Every answer Genie gives is grounded in your actual data. No hallucinations. No generic advice. When Genie says "your IT exposure is 43%," it's calculated from your real holdings, not estimated.
Technical Architecture
For those who want to understand what's under the hood.
Genie uses a sophisticated RAG architecture that retrieves relevant information from your personal financial knowledge base before generating any response. This ensures answers are always grounded in your actual data, not the model's training data.
Our base model is fine-tuned on a curated corpus of Indian financial regulations, tax law, and wealth planning scenarios. This isn't prompt engineering — it's genuine model adaptation.
Genie doesn't just retrieve and summarise. It computes. Tax implications, portfolio analytics, scenario modelling — all calculated on-the-fly using your actual numbers.
// Example: Tax-optimal withdrawal
query: "I need ₹50L for home renovation"
// Genie computes:
→ Current LTCG utilisation: ₹0 of ₹1.25L exempt
→ Holdings with lowest tax impact: [HDFC Bank, Infosys]
→ Recommended sequence: Sell ₹22L HDFC (₹0 tax),
then ₹28L Infosys (₹2.8L LTCG)
→ Total tax: ₹28,000 vs ₹5.2L if sold randomly
Genie is designed with multiple layers of safety and compliance checks to ensure responses are responsible and appropriate.
In Action
See how Genie handles the kinds of questions that would typically require hours of research or expensive professional advice.
Finding the optimal way to raise cash without unnecessary tax burden
You
I need to raise ₹50 lakhs for my daughter's college admission in March. What's the best way to do this?
Genie
Based on your portfolio and tax situation, here's the optimal approach:
Total tax: ₹50,000 (vs ₹4.2L if you'd redeemed only from your largest holding)
Shall I prepare the redemption instructions for each?
Understanding the implications of moving abroad on your Indian investments
You
I'm relocating to Dubai next month. What happens to my investments?
Genie
I've analysed your portfolio against NRI regulations. Here's your situation:
I've prepared a 14-point checklist with specific timelines. Want me to share it?
Understanding concentration risk and correlation exposure
You
How risky is my portfolio if there's a tech sector crash?
Genie
Your tech exposure is higher than you might realise. Here's the breakdown:
In a 2022-style tech correction (-30%), your portfolio would likely drop ₹1.1 Cr. Your non-tech assets (real estate, gold, debt funds) provide only 32% downside buffer.
Recommendation: Consider rebalancing ₹60-80L from tech to defensive sectors. I can model specific scenarios if helpful.
Security & Privacy
Your financial data is the most sensitive information you own. We treat it that way. Security isn't a feature — it's the foundation everything else is built on.
At NetWorthOS, we believe that if you're trusting us with your complete financial picture, we owe you the highest standard of protection that exists. Not "startup security." Not "good enough." The same grade of protection that banks and financial institutions use to protect billions in assets.
Your financial data is never used to train our models. Your portfolio, transactions, documents, and conversations remain strictly isolated. This is a hard policy, not a setting.
AES-256 encryption at rest. TLS 1.3 in transit. Your data is encrypted before it leaves your device and stays encrypted until you need it. Even our engineers cannot access your raw financial data.
Unlike most AI products, we don't send your data to OpenAI, Google, or any external provider. Genie runs entirely on our own infrastructure with self-hosted models. Your queries never leave our secure environment.
All data is stored exclusively in SOC 2 Type II certified data centres located in India. Your financial information never crosses borders. Full compliance with Indian data protection regulations.
Your conversations with Genie are private. We don't mine your queries for analytics, don't share them with third parties, and don't use them for any purpose other than serving you. Fully deletable on request.
Every query, every response, every data access is logged for your review. You can see exactly what Genie accessed to generate each answer. Full transparency, full control.
We've built our infrastructure to meet the same standards as regulated financial institutions. Here's what that means in practice:
We will never sell your data. We will never share it with advertisers. We will never use it to train AI models. We will never compromise on security to save costs. Your trust is not just important to us — it's the entire basis of our business. Without it, we have nothing.
Early Access
Genie will be available exclusively to NetWorthOS Premium members. Founding families get priority access and lifetime pricing locked at early-access rates.
We'll notify you the moment Genie is ready.