Introducing moccet-investor
The best investors in the world have never relied on gut instinct alone. Renaissance Technologies built a team of mathematicians and physicists who turned market data into a system that has averaged over 60% annual returns before fees for decades. Two Sigma, D.E. Shaw, and Jane Street deploy machine learning models that process billions of data points to find patterns invisible to human analysts. These firms manage hundreds of billions of dollars and produce consistent returns that most people will never have access to.
That last part is the problem.
Quantitative investing has been the most significant wealth-creation engine of the past thirty years, and it has been entirely closed off to ordinary people. The models, the data infrastructure, the PhD-level talent, and the AI systems that drive these returns exist behind walls that require eight-figure minimums to enter. The same AI technology that powers the world's most profitable trading desks is now available to everyone through frontier language models and autonomous agents. The gap between what is possible and what is accessible has never been wider.
Today we are introducing moccet-investor, an autonomous AI investing agent built into the moccet app. You load your account with however much you want to invest, and moccet-investor does the rest.
Why investing matters
When we started moccet, we set out to build a personalised health AI. But the deeper we went, the clearer it became that health is not the whole picture. A person with access to a private doctor, a personal trainer, a nutritionist, a therapist, and a financial advisor lives a fundamentally different life than someone without those things. Not because of any single service, but because of the compound effect of all of them working together. Better health leads to better decisions. Better financial security reduces stress, which improves health. Purposeful work fuels motivation. Enjoyable learning expands possibility. Each domain feeds the others.
What we are building with moccet is not just a health app. It is an AI that holistically improves people's lives through the power of analytical and predictive agents that understand your body, your goals, your interests, and your finances. moccet-chef helps you eat well. moccet-trainer helps you move well. moccet-intelligence helps you learn and stay informed. And now moccet-investor helps your money work as hard as you do.
The barrier to an increased quality of life has always been access. Access to expertise, access to tools, access to the kind of infrastructure that was previously reserved for the privileged few. moccet removes that barrier, starting with health and extending to financial freedom.
How it works
Traditional robo-advisors use static rule sets to allocate your money across index funds, then rebalance periodically. They are built on the financial logic of the 2010s. moccet-investor is an autonomous agent that actively reads markets, processes news, analyses sentiment, identifies opportunities, and executes trades on your behalf.
We worked with seasoned investors and quantitative strategists to build the intelligence layer that powers moccet-investor. Their decades of experience in public markets, macro strategy, and risk management are encoded into the system's decision framework. This means moccet-investor doesn't just follow signals. It understands context the way an experienced portfolio manager does, but augmented by AI models that can process information at a speed and scale no human can match.
At the core is what we call the AI Mixer, a proprietary system that routes decisions across multiple frontier AI models based on which performs best for a given task. Market news analysis might run through one model while technical pattern recognition runs through another. The best model for the job gets the job. This multi-model approach mirrors how the top quantitative firms operate, where no single model handles everything and diverse signals create more robust decisions.
Built on principles
We could have built moccet-investor to chase maximum returns at any cost. We did not. The decisions your AI makes reflect a set of values that we believe matter.
moccet-investor will never invest in tobacco, alcohol, gambling, or weapons manufacturers. It will not put your money into companies whose primary business causes measurable harm to people or communities. It avoids businesses built on excessive debt and speculative financial instruments designed to amplify risk rather than create value. These are not optional filters you can toggle off. They are part of the system's core logic, because we believe the way you grow wealth should not come at the expense of the world you live in.
This is not a constraint on performance. The companies building the future, the ones solving hard problems in technology, healthcare, clean energy, and infrastructure, are where the strongest long-term returns come from. We screen for businesses that generate real economic value, and it turns out those businesses tend to outperform over time. Ethical investing is not a trade-off. It is a strategy.
Every trade moccet-investor makes is transparent. You can see exactly what was bought or sold, why the AI made that decision, what data it relied on, and how confident it was. Full reasoning, full citations. We do not believe in black boxes when it comes to your money.
Why this is different
The financial industry has spent decades building products that benefit intermediaries more than investors. Traditional fund managers charge 2% of assets and 20% of profits. Robo-advisors improved fees but did not improve intelligence. They still allocate to passive index funds and call it a day.
moccet-investor changes the equation. Every moccet user gets access. Pro members get enhanced models and more active trading capacity. Max members unlock the latest frontier models and unlimited trades, so you never miss an opportunity when one appears. The incentive is simple. Higher tiers give the AI more room to work, which means more opportunities captured.
Digital assets and stablecoins have made it easier than ever to move money into investment infrastructure. Stablecoin market capitalization grew almost 50% in 2025 alone, crossing $300 billion as they became the backbone of on-chain settlement for both institutions and individuals. The infrastructure for fast, low-cost capital movement now exists. moccet-investor is built to take advantage of it.
What we believe
AI technology today can do extraordinary things. But most people cannot use it. The models that can read a 10-K filing, process an earnings call transcript, and identify a mispriced equity in seconds are the same models sitting behind API calls that require developer experience to access. The tools that can automate complex workflows across the web are locked inside enterprise platforms with enterprise price tags.
moccet exists to change this. We started with health because that is where the need was most urgent. But our mission has always been larger. We are building an AI that gives every person the compound advantages that used to require wealth to access: a private doctor who knows your history, a trainer who adapts to your body, a chef who understands your nutrition, an analyst who reads every relevant source, and now a financial advisor who works around the clock with institutional-grade intelligence.
The best investors in history succeeded by combining deep knowledge, disciplined strategy, and the ability to act faster than the market. AI does not replace that formula. It makes it available to everyone. When a frontier model can analyse every earnings call in a sector in minutes, summarise macro trends across dozens of sources, and execute a position before the market prices it in, the advantage shifts from those with the most resources to those with the best tools.
moccet-investor is that tool. And it is built on principles we are proud of.
Get started
moccet-investor is currently in development with early access opening soon. Join the waitlist at moccet or reach out to team@moccet.com to be among the first to try it.