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FILIAR
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FILIAR INVEST

A physical workspace for the digital investment relationship.

The app stays personal. FILIAR adds space, context and physical service.

FILIAR Invest explores how the same session-based, institution-controlled infrastructure could later carry investment and brokerage services — without FILIAR becoming a broker.

Open the workspace Session architecture

Architecture Exploration

FILIAR Invest explores how the same physical infrastructure could extend into institution-controlled investment and brokerage services. No timeline and no commitment exist.

FILIAR Invest is not a FILIAR brokerage product.

It is a proposed future physical workspace for connected banks, neobanks and brokers. The division of responsibility stays exactly where it is today.

The institution remains responsible for

  • The brokerage relationship
  • Portfolio and holdings
  • Financial products
  • Authorization
  • Order execution
  • Investment rules
  • Customer classification
  • Suitability and appropriateness where applicable
  • Regulated disclosures
  • Advisory responsibility

FILIAR provides

  • Physical interaction layer
  • Session routing
  • Secure workspace
  • Institution adapter
  • Visual portfolio experience
  • Document interaction
  • Assisted service handoff
  • Approved transaction preparation and execution interfaces

FILIAR holds no assets, issues no financial products and executes no securities transactions on its own authority.

The workspace, conceptually.

Not a trading terminal. A calm surface where overview, documents and decisions can sit side by side.

Fictional sample data · no market dataSwitch area — the session stays the same.

FILIAR INVEST · Portfolio

Holdings, allocation and performance in one view.

Total value
••••
Performance (12 m)
••••
Cash position
••••
  • European equity fundAllocation 38 %••••
  • Global index fundAllocation 31 %••••
  • Short-dated bondsAllocation 18 %••••
  • Single holdingsAllocation 13 %••••
  • Allocation, positions and performance sit next to each other instead of behind each other.
  • Recent activity reads as a quiet list, never as a ticker.

In public space, values stay hidden by default.

Why a large surface changes something.

FILIAR Invest is not a bigger phone app. The space is used on purpose.

From the app to the physical workspace.

The institution authorizes before anything happens at the endpoint. The handoff method is not final.

Institution Adapter Layer.

Adapters are classes inside FILIAR infrastructure — not standalone products.

  • Core

    Bank adapter

    Translates authorizations, limits and callbacks between a bank and the shared layer. This is today's design.

  • Future

    Broker adapter

    The same role for another type of institution: holdings, instrument information, order preparation and institution-controlled execution.

An additional adapter does not turn FILIAR into an institution.

Capability levels.

What is possible depends on how far the institution opens the session.

More capability requires stronger authorization.

  1. 01

    Read

    Overview without intervention.

    • Portfolio
    • Transactions
    • Documents
    • Markets
  2. 02

    Interact

    Prepare and organise, without executing.

    • Watchlists
    • Support
    • Order preparation
  3. 03

    Execute

    Only with explicit, institution-controlled authorization.

    • Orders
    • Savings plan actions
    • Other institution-approved transactions

Not every connected institution will support all levels.

The order path, step by step.

FILIAR prepares and displays. Execution happens at the institution.

FILIAR does not execute securities trades independently. The connected bank or broker remains the execution authority.

Information and execution — not advice.

Information & execution

  • Portfolio visualization
  • Instrument information
  • Self-directed workflows
  • Order preparation
  • Institution-controlled execution
  • Support handoff

Advice

Personalized investment advice is not part of the base FILIAR architecture. Advice may only be provided through an appropriately authorized institution or advisor model.

FILIAR gives no recommendations and evaluates no investment decisions.

Privacy in public space.

A workspace in a public place needs its own posture towards visibility.

  • Hidden by defaultPortfolio values are not visible at the start of a session.
  • Explicit unlockVisibility is switched on deliberately, never assumed.
  • Short inactivity timeoutAfter a short pause the surface returns to its hidden state.
  • Blurred, not openThe idle state obscures content instead of leaving it standing.
  • Automatic closureThe session closes securely once it is no longer in use.
  • No local holdings dataPortfolio data is not persistently stored at the endpoint.
  • Print on request onlyPrinting happens only when it is explicitly requested.
  • Clean stateAfter the session, the workspace is reset.

This describes an architectural principle, not camera-based detection of bystanders.

Institution categories, not names.

FILIAR Invest is designed around institution-specific interfaces and approved integrations.

  • Established bank

    Existing investment relationship, own custody, clearly regulated authorization processes.

  • Neobank with brokerage

    App-centred relationship where a physical surface is currently missing entirely.

  • Independent broker

    Specialised investment institution with its own execution and authorization process.

No partnerships exist. Different institutions can expose different capability sets.

Integration patterns.

Conceptual routes for connecting an institution to FILIAR Invest. Expand for detail.

Standardised open banking interfaces do not automatically provide securities trading access.

FILIAR is not designed around what an ATM can do. It is designed around what a physical financial endpoint can become.

FILIAR Invest is the first explored step beyond banking services — as architecture, not as an offer.

Architecture exploration · no product · no timeline