PRODUCT FACTS · 2026-10-09

NoahAI: current capabilities and public release

Financial AI that helps people understand decisions and remain in control of their accounts. Distinguish the capabilities in public release 3.9.2.8 from real external-environment validation that remains pending.

Public Windows release: 3.9.2.8
Free distribution since: 3.9.2.0
External validation: Pending

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.

What changed in 3.9.2.8 and what validation remains?

Reconciles committed PAPER partial/full-close ledgers with remaining positions on restart, strengthening recovery after storage errors or forced exits and blocking duplicate closes, including the separate Binance PAPER engine. Preserves historical overseas-futures records with missing or invalid contract-unit evidence and marks them unresolved or invalid. They are excluded from verified PnL and available funds; missing evidence, corruption or ledger changes cannot be bypassed with a fresh evaluation. Validates strict JSON evidence for rules, base bars and additional timeframes before strategy-improvement evaluation. NaN, infinity or non-serializable inputs fail before replay and cannot approve candidates, auto-apply changes or promote to LIVE. Versions 3.9.2.4–3.9.2.5 added situation-led internal product discovery, comparison of up to four saved products, plans without quotes, encrypted financial inputs, expiry rechecks, returned-quote comparison, ledger search and import deduplication. Optional AI explanations require preview, transmission consent and user review. Versions 3.9.2.6–3.9.2.7 strengthened selection/exclusion reasons, unresolved orders and reservations, separate KRW/USDT available funds, bounded policy restoration, time-separated and cost-stress evaluation, and contract-unit PAPER calculations. Existing approval, account and risk protection remain. Dashboard and update cards use the current manual version, change title and summary. Initial insurance discovery covers four companies and seven guidance materials, not full-market optimization or enrollment approval. Real OCX login, LIVE accounts, Provider calls, supplier/adviser receipt, 3.9.2.7→3.9.2.8 installation/automatic update/rollback and 24/72-hour operation remain pending external validation. This release does not deploy the Hub server. Do not resume trading in 3.9.2.7 using 3.9.2.8 data with pending close recovery. Local calculations and synthetic tests do not confirm quotes, enrollment, external receipt or future returns.