PRODUCT FACTS · 2026-10-02

NoahAI: current capabilities and next update

Financial AI that helps people understand decisions, connect investment and everyday-finance context, and remain in control of their own accounts. Available capabilities and development plans are separate.

Public Windows release: 3.9.2.1
Free distribution since: 3.9.2.0
Next version · planned: 3.9.2.2

Is NoahAI free?

Free distribution began with 3.9.2.0, alongside selected paid plans. A free download does not make every feature, venue or external AI API free. Membership rules distinguish domestic spot access, overseas exchange referral/UID approval and paid asset coverage. The free public Strategy Hub test is separate from paid Client plans.

What does autonomous financial technology do?

The engine on the user's PC connects market observation, candidate selection, regime/cost/risk checks, execution or HOLD, and outcome records. It operates only within authorized accounts, venues and modes. An external LLM response cannot grant trading permission. Web remote support does not move the trading engine to the cloud. Neither profits nor uninterrupted, error-free operation are guaranteed.

Why use Strategy Studio?

Connect source documents, natural language and TradingView/Pine ideas to executable rules, clarify missing conditions, and retain evidence and results for each approved version. Levels 1–2 focus on accessible explanations and key values; 3–4 on detailed rules and operating policies; Level 5 on cost sensitivity and validation evidence. Higher levels do not remove permissions or risk protection. Not every Pine script or arbitrary program is supported.

Is backtest approval required? What are PAPER and LIVE?

Historical replay/backtesting is optional. Valid executable rules, user approval and applicable execution checks allow PAPER forward validation without passing a backtest. PAPER simulates trades using current market data; LIVE places real orders in the user's account. PAPER results are neither confirmed fills nor proof of future returns. LIVE needs separate permissions, account readiness and risk checks.

Do 40 saved strategies run at once?

No. Per-venue PAPER strategy evaluation has up to 10 slots for general members and 30 for Premium. The applied strategy also uses a slot. Eligible, evaluated and waiting strategies are distinguished; saved-strategy and position limits are separate. Waiting is not execution or automatic rotation.

What is available in integrated assets and everyday finance?

The 3.9.2.1 enhancement covers reviews of user-recorded income, spending, internal transfers and goals, plus calculations from explicit monthly-plan and income-reduction inputs. A ledger balance is not actual net worth; missing values are not zero. This does not provide automatic bank aggregation, transfers or family-data sharing. Tax, loan, insurance and deposit comparisons are information/simulations, not confirmed filings, enrollment or payouts.

Is the 3.9.2.2 insurance upgrade available now?

Not yet. 3.9.2.2 is a development plan: user-confirmed policy documents, clause-based coverage/cost comparisons, household-budget context and consultation questions. Live comparison of every insurer, binding individual quotes or coverage decisions, automatic cancellation/enrollment, adviser referrals and commission revenue are not currently provided. Partner connections depend on data rights, lawful scope, separate consent and contracts.