Q4 2026 pilot cohort. Applications close 30 September 2026.

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Q4 2026 pilot cohort. Applications close 30 September 2026.

Product

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Resources

Pilot applications close 30 September

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Solutions / Family offices

The understanding should outlast the person holding it.

A family office runs on relationships measured in decades and knowledge held by very few people. Luscent keeps that understanding with the office, not with whoever happened to be in the room.

Pilot
90 days, free
Seats
3 to 5
Data
EU only
Writes back
Nothing

What this book looks like from here.

01

The knowledge is in three people.

Offices run lean by design. That works until the person who has held a family for eleven years takes a role somewhere else.

02

A generation changing is a discontinuity.

What the next generation inherits from your systems is a transaction history, which says nothing about the conversations behind it.

03

Governance asks for evidence the file cannot produce.

A trustee or a family council asks why a decision was taken. Answering from memory is normal, and it is the weak part.

17%
of high-net-worth clients describe their advisory experience as seamless and personalised.
Capgemini World Wealth Report 2026 (6.510 HNW clients, 27 markets)

What it looks like on the day.

Three pieces of the product, at the sizes they render at. Synthetic data throughout: every name and figure below is invented.

Signal feed2 today
Klein Family Office87%

Two members of the next generation joined the last two reviews.

Microsoft 365 · calendar and 4 messages · 21 days
Add the next generation to the review list
Routed to S. Berger
Wagner Trust76%

Two documents were requested and have not been sent.

Microsoft 365 · 2 messages · 12 days
Signals are drawn from the office's own communications, and each one opens onto its source.
Health Score
71down 8 in 60 days
Contact concentrated on one family member since February.
A Health Score per relationship, with the movement that produced it, for a team that cannot watch everything.
Evidence

Decision rationale captured at the point of decision

Governance · rule fired
02.07.2026 14:08 · deterministic
The evidence a committee asks for exists before it is asked for, and shows which rule produced it.

Two engines, and a rules core that never guesses.

The three things you just saw, and where each of them comes from.

A Signal carries a confidence because a model produced it. A compliance outcome carries the rule that fired and no confidence at all, because a regulatory result is not a guess. Tabular models are on the roadmap and are drawn that way.

What is connected, and what is not.

Microsoft 365 and Salesforce are live today. The two drawn dashed are on the roadmap and are not shipped. We would rather tell you that than let you assume otherwise. Nothing is written back into any of them: Luscent reads, and your systems of record stay exactly as they are.

Where this sits against the rules.

Fig. 2Relationship Intelligence for Family Offices | LuscentThe same communications feed two paths. A language model produces a Signal, which carries a numeric confidence and decides nothing. A deterministic rules engine, fed by MiFID II Article 25, GDPR Articles 28 and 32 and EU AI Act Article 50, produces a compliance record, which carries no confidence because a rule has none, and names the rule that fired. A named person decides on both paths.CommunicationsMail, calendar, meetingsYou already have themLanguage modelProbabilisticSignalCarries a confidence: 91Decides nothing.Puts it in front ofa person.Rules engineDeterministicCompliance recordCarries no confidenceA rule has noneto carry. The rulethat fired is named.MiFID II Art. 25 · GDPR Art. 28 and 32 · EU AI Act Art. 50
One body of communications, two paths out of it. The Signal carries a number because a model produced it. The record carries none, because a rule has none to carry, and it names the rule that fired.
GDPR
Articles 28 and 32
Processed and stored in the EU. Nothing written back into the systems we read.
DeterministicProcessing record with lawful basis, retention and location
MiFID II, where it applies
Article 25
Where the office is regulated, suitability evidence is generated as advice happens.
DeterministicTimestamped suitability record where the office is regulated
EU AI Act
Article 50
Model outputs labelled and sourced. A named person decides.
DeterministicOutput marked as model-generated, with the person who decided

This describes what Luscent does, not what your firm is obliged to do. It is not legal or compliance advice. The platform generates evidence and surfaces Signals; decisions remain with the firm and its professionals at all times.

Who asks what.

Fig. 3Relationship Intelligence for Family Offices | LuscentPrincipal, Chief Operating Officer, Head of Technology, Compliance and risk, Adviser. Each holds a different concern and the deal advances only when the last of them is satisfied.PrincipalConfidentialityChief OperatingOfficerContinuityHead of TechnologyMigrationCompliance and riskResidencyAdviserJudgementTHE DEAL ADVANCES WHEN THE LAST OF THESE IS SATISFIED, NOT THE FIRSTEach answered below
The seats that have to be satisfied, and the concern each one carries. Every question below is the first thing that seat asks.
Principal#leadership
Who else can see what is written about the family?
Only the people your office authorises. Access is scoped to your organisation, staff at Luscent do not read client data as a matter of course, and every access is logged.
Chief Operating Officer#operations
What happens when the person who knows the family leaves?
The understanding stays with the office. It accumulates against the relationship rather than in one person's memory and mailbox.
Head of Technology#technology
Do we have to move anything?
No. Luscent reads from the systems you already run and writes back into none of them. There is no migration and no new system of record.
Compliance and risk#compliance
Where does the data physically sit?
In the European Union. Paris primary, Warsaw for recovery, and one sub-processor with access to client data. The full list is published.
Adviser#adviser
Does it replace my judgement?
No. It surfaces what changed and what it came from. Every consequential decision is taken by a named person.

Where this gets it wrong.

Every firm evaluating this has been shown a confident wrong answer by something before. So the limits are on the page rather than in the room, and each one names the control that catches it.

Fig. 4Relationship Intelligence for Family Offices | LuscentLuscent reads mail, calendar, meetings and CRM records. Telephone calls, conversations in person, personal channels and anything on a system it is not connected to are outside what it can see. Deterministic outcomes are exact and carry no confidence; probabilistic Signals carry a number; anything outside the boundary carries nothing because it is not there.WHAT IT READSMailCalendarMeetingsCRM recordsINVISIBLE TO ITTelephone callsCorridor conversationsPersonal channelsAnything not connectedDeterministic outcomes are exact and carry no confidence. Probabilistic Signals carry a number.Anything in the right-hand box carries nothing at all, because it never reached the system.
The edge of what the system knows. A relationship conducted outside the left-hand box does not appear in it at all, and no confidence number is attached to something that never arrived.
Confidence is a number, not a feeling.
Every probabilistic Signal carries a numeric confidence on its face. Deterministic outcomes carry none, because they have none to state: the same input produces the same result every time.
It reads what it is connected to, and nothing else.
A relationship conducted by telephone, in person, or on a channel Luscent does not read is invisible to it. The systems drawing above is the whole of what it can see.
It surfaces, it does not decide.
No Signal approves advice and no score authorises an action. Every consequential decision is taken by a named person, and the record says who.
It will be wrong, and the pilot counts it.
False positives are reviewed weekly with your compliance function during the pilot, and the rate is one of the success metrics agreed before day one rather than something discovered at the end.
A thin month is a thin month.
The representation of a relationship accumulates from your own communications. Month six is worth considerably more than month one, and no amount of capital shortens that for anyone.

What your outsourcing officer needs.

Whether a deployment is a critical or important function is your firm's classification to make, and your outsourcing officer owns it. What we can do is put the facts that classification turns on in one place, before you have to ask for them.

Fig. 5Relationship Intelligence for Family Offices | LuscentLuscent writes nothing into your systems, takes no decision and produces no client-facing output. Those three facts hold today. Whether a deployment is a critical or important function remains your firm's classification to make, and your outsourcing officer owns it.01Does it write into yoursystems?No02Does it take a decision?No03Does it produceclient-facing output?NoYour firmclassifies.We publish the facts.Your officer owns it.All three answers hold today and are checkable in the table below and in the Trust Center.
The three questions an outsourcing review opens with, and the answers that hold today. The fourth box is not an answer on purpose: the classification is the firm's, and a vendor drawing it as settled would be overreaching.
Written back into your systems
Nothing
Fact
Decisions taken by the system
None. A named person decides.
Fact
Output shown to your clients
None. Luscent is used by your staff.
Fact
Client data location
European Union only. Paris primary, Warsaw recovery.
Fact
Sub-processors with access to client data
One. The full list is published.
Fact
Training on client data
None.
Fact
Security certification held
None. Controls aligned to ISO/IEC 27001:2022; certification planned 2027.
Fact
Audit and inspection rights
Your firm, its statutory auditor and its competent authority.
Position
Transition assistance on exit
Twelve months.
Position
Material sub-contracting
Prior written approval.
Position
Register of Information data sheet
Provided on request, in the fields you have to file.
Position

Fact means true today and checkable, here or in the Trust Center. Position means the stance Luscent takes into a negotiation; it binds nobody until it is in a signed agreement. The clause set behind the second group is Article 30 of Regulation (EU) 2022/2554.

Read the full Trust Center

Whether this is a fit.

Built for
Single and multi-family offices running Microsoft 365
Offices where a handful of people hold long relationships
Offices facing a generational transition or a coverage change
Not built for
Offices looking for portfolio consolidation or performance reporting
Offices wanting the system to make an allocation decision
Offices whose client contact happens mostly outside written channels

The pilot is ninety days, free, with three to five relationship managers, starting on synthetic data. Success metrics are agreed before day one, so at the end there is something to judge rather than an impression.