WealthOS: The Wealth Platform Built for FCA-Regulated Advice

UK advice firms evaluating software today are typically offered three options, and none of them actually fit. A seven-figure enterprise wealth suite — Avaloq, FNZ, SS&C and their peers — built for global private banks, with a rollout measured in years and a budget most mid-sized firms can't justify. Foreign wealthtech that's never heard of the FCA Consumer Duty or a COBS 9 suitability report, requiring a custom compliance build on top of a platform that wasn't designed for UK regulation in the first place. Or spreadsheets and a generic CRM, which work fine until the first FCA review finding or reconciliation error, at which point they become a liability rather than a convenience.

WealthOS is the OS Series' answer to that gap — built by Xamun and delivered by BlastAsia — purpose-built for the firm that needs real regulatory rails and a real book of business, right-sized and owned outright rather than rented.

One Continuous Lifecycle, Not a CRM With a Portfolio Bolted On

WealthOS runs the full advisory lifecycle as one system: digital onboarding, risk profiling, suitability assessment, portfolio proposals, order capture, and settlement, in a single continuous, auditable flow from prospect to funded mandate. Eight distinct roles — adviser, client, compliance, manager, risk, analyst, discretionary portfolio manager, and admin — each get a workspace scoped to their actual job, and every advice decision, order, fee, and settlement event writes to an immutable, append-only ledger.

Compliance That Gates the Workflow, Not a Report That Checks It Afterward

The core of WealthOS's regulatory value is that compliance isn't a report generated after the fact — it's a gate the workflow can't get past without clearing. Every proposal and advisory order passes a MiFID II / COBS 9 suitability check against the client's actual risk profile before it can proceed, with the underlying scoring engine flagging the specific contradiction when a client's risk appetite outruns their capacity to absorb loss — capping the recommendation and forcing an adviser conversation rather than letting an unsuitable proposal quietly go out.

FCA Consumer Duty monitoring tracks all four required outcomes in real time, with a price-and-value distribution that flags pricing outliers, disclosure read-rates, and a QA sampling queue over completed suitability checks — the kind of ongoing evidence an FCA review actually asks for, generated as a byproduct of normal operation rather than assembled under deadline. MiFID II product governance versions, publishes, and locks target market, risk-reward, and distribution strategy data, syncing it directly to the fields the pre-trade suitability gate reads — so product governance and suitability checking are the same data, not two systems that can quietly drift apart.

Governed AI an FCA Examiner Would Actually Sign Off On

Regulated advice can't run on a black box, and WealthOS is explicit about treating AI that way. Every autonomous agent — including the platform's idle-cash investment sweep, which watches client accounts for idle cash above a policy threshold and proposes a model-aligned reinvestment — runs behind a tenant-wide kill-switch and per-agent policy gates: value caps, scope limits, approval thresholds. Anything beyond a gate queues for a human decision, and every prompt, recommendation, and action writes to a complete, immutable audit trail. Where an agent reasons with a language model, that model runs on open-weight models hosted on the firm's own infrastructure — client data never leaves the tenant for a third-party AI service.

A separate predictive intelligence layer scores each client in an adviser's book for churn risk from real engagement signals — net withdrawals, login inactivity, advice-contact gaps, complaints, satisfaction, tenure — and breaks every score down into its ranked drivers, so an adviser knows exactly why a client is flagged rather than trusting an opaque number. The same layer forecasts client cash balances with a confidence band, turning idle-cash detection from reactive to anticipatory. Both are explicitly decision support: an estimate that informs a human call, never an executed action on its own.

Owned Infrastructure, Not Vendor Lock-In Wearing a Multi-Custodian Badge

Multi-custodian breadth is a lock-in risk when a platform is rented. Because WealthOS is owned, custodian agreements and credentials stay the firm's — WealthOS provides standards-native adapters built to the formats custodians already speak (SWIFT ISO 15022, ISO 20022, FIX, Open Banking), with a reconciliation engine that surfaces every break against the book of record and a certification harness that proves each adapter against golden fixtures before it goes live. The long tail of smaller custodians onboards through configuration — mapping columns, not writing bespoke code — so "many custodians" scales without a new integration project for each one.

For the engine of record behind the front office, WealthOS pairs with Cumulus Quartz, a cloud-native asset-management system handling order management, fund accounting, settlement, and custody processing, connected through an adapter that ships in WealthOS today — no separate middleware project. The result is a front office and an engine of record that are both owned outright, rather than one rented system end to end.

Delivered Through BlastAsia's Engagement Models

WealthOS is built by Xamun through the Xamun Software Factory and delivered by BlastAsia through its Turnkey or xDD engagement models, with custodian connections and regulatory configuration scoped as part of onboarding — live in a quarter rather than the multi-year platform migration a legacy enterprise suite requires.

For wealth managers, IFAs, discretionary fund managers, and family offices tired of choosing between an institutional budget they don't have and a spreadsheet that won't survive the next review, WealthOS is built to be the middle that's actually been missing.

If you're evaluating where your current advice stack is most exposed, let's talk through your book of business.