You are the advisor and the compliance function.
An independent firm does not have a compliance department. It has an advisor doing compliance in the evening, from memory, about a conversation from three weeks ago. Luscent writes the evidence while the advice happens.
The pilot, in four factsCheckable on this page
- Pilot90 days, free
- Seats3 to 5
- DataEU only
- MigrationNone
Suitability review lapsed · advice restricted
The annual suitability review lapsed on 31 August. Advisory capability is restricted until it is refreshed: if the client calls today, no advice can be given.
One signal, in the product. The review lapsed on 31 August, so advice is restricted until it is refreshed, and the product says so before the client calls.Synthetic data. Every name and figure is invented.
What this book looks like from here.
Three patterns that hold across firms like yours, and one number from outside that frames them.
of advisers want AI-enabled systems to take on routine work.
Capgemini World Wealth Report 2026 (1.317 relationship managers, 24 markets)
The file is written last and remembered worst.
Documentation happens when you are tired, from memory, about the exchange you can least clearly recall.
There is no second pair of eyes.
A bank has a supervision layer that catches what one person misses. An independent firm has whatever that person noticed on the day.
Growth makes it worse.
The constraint on how many clients you can serve well is not capital. It is attention.
The figure is somebody else's number about the market, with its source. It is not a Luscent result.
Who asks what.
The seats that have to be satisfied, and the concern each one carries. Every question below is the first thing that seat asks, with the answer that holds today.
Is this affordable at our size?
The pilot is free for ninety days with three to five seats, and the commercial model is per seat rather than per institution. Nothing here is priced for a bank.
What do we have to run?
Nothing. Luscent is hosted and reads from the systems you already use.
Where does client data go?
The European Union only: stored on Scaleway in Paris, with the data and AI services on Hetzner in Germany, and no non-EU model API in the path of client data.
What does the file look like at an inspection?
A timestamped record of the advice, its basis and the client circumstances relied on, with the rule that produced it named. It is generated as the advice happens rather than reconstructed afterwards.
Will it get things wrong?
Yes, and section 06 says where. Probabilistic Signals carry a numeric confidence, deterministic outcomes carry none because they need none, and false positives are triaged weekly during the pilot.
What it looks like on the day.
Three pieces of the product, in the order a relationship manager meets them: a Signal, the Health Score it moves, and the evidence a rule writes. Every name and figure is invented.
Risk language changed between the last two reviews.
Microsoft 365 · 2 messages and 1 meeting · 28 daysAn annual review is overdue and not rebooked.
Microsoft 365 · 2 messages · 16 daysSignal
Signals surface what changed across the book: the second pair of eyes an independent firm does not otherwise have.
Vandenberg, S. · Health Score
Two questions about drawdown left unanswered since May.
Health Score
A Health Score you can open, so it is something to act on rather than another dashboard number.
Evidence
The file finishes when the conversation does, and the rule that produced it is named on the record.
Every trade checked before the advice leaves.
Before a relationship manager sends a rebalance, Luscent checks each trade against the mandate and the strictest jurisdiction, and names the smallest fix.
Read the use case →Use case 02 · Comms to ComplianceAn email changes the client. The advice waits.
When a client email says their circumstances changed, Luscent reads the change, holds the advice that relied on the old picture, and opens a reassessment.
Read the use case →Use case 03 · Cross-BorderTwo rulebooks. One household. One defensible answer.
A household booked in Luxembourg and São Paulo sits under MiFID II and CVM at once. Luscent evaluates one action under both and shows a path to proceed.
Read the use case →Use case 04 · Relationship DriftRelationships rarely end loudly. They drift.
When a client relationship slips, Luscent shows it in the Health Score, links the messages behind it and lists the next conversation for the relationship manager.
Read the use case →Where this sits against the rules.
Each row names its article, its method and what it puts on the record. A row that is not shipped says so, and is drawn that way.
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.
Whether this is a fit.
Said plainly, both ways, so nobody spends ninety days finding out what one page could have told them.
Built for
- Independent firms running Microsoft 365
- Advisors who write up files after the client work rather than during it
- Firms where growth is limited by attention rather than by capital
Not for
- Firms looking to replace their CRM or their platform
- Firms wanting the system to make or approve an advice decision
- Sole practitioners, for whom a per-seat tool is the wrong shape
The same for every firm.
Five things that do not change with the kind of firm you are. Each one opens in place.
06.1Where Luscent sits in your operating model.
An independent advisory practice runs its Clients across front, middle and back office on systems it already owns, and Luscent replaces none of them. The numbers mark the three places relationships are most often lost. Select a tile.
Luscent today
Health Score for every Client, 0 to 100
Every Client carries a Health Score from 0 to 100, updated from the conversations Luscent reads. A falling score is the early sign that a relationship is cooling, before it shows in the assets.
See it on the day, section 03 →- 1A relationship cools between reviews, and the first sign anyone sees is the transfer request.
- 2Advice is given on a call and written up later, from memory.
- 3Supervision reads a sample of files, weeks after the conversation.
Luscent reads only the systems it is connected to, listed under What is connected below. In build means designed and in development; no date is promised on this page.
06.2Two engines, and a rules core that never guesses.
The three things you saw in section 03, 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.
Inference is EU-hosted, by EU providers only, with no US model API in the client-data path. Tabular models are on the roadmap and are drawn that way.
06.3What is connected, and what is not.
2 of 4 live
Microsoft 365 and Salesforce are live today. The two drawn dashed are on the roadmap and not shipped. We would rather tell you that than let you assume otherwise. Luscent reads them and replaces none of them.
06.4Where 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.
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.
06.5What 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.
Luscent reads it and does not write to it.
Every consequential decision is taken by a named person.
Stored on Scaleway, Paris; services on Hetzner, Germany.
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.