Markets don't reward information.
They reward understanding.

Thousands of data points arrive every second. BuildYourPocket resolves them into one connected picture — and an AI research crew reasons over it the way an institution would. This is that system. Scroll to walk through it.

Captain Umro

The intelligence layer
behind every decision.

Not another chatbot. Umro reads across the whole knowledge graph — holdings, market, macro — and every answer arrives with its evidence, its confidence, and what would break it. It drafts. You decide.

Captain Umro — AI-OS (Research only) Demo · sample data
Research-only analysis · No orders placed · Runtime: no-op · executable: false
What's the biggest risk hiding in my portfolio right now?
Your top exposure isn't a stock — it's a shared macro driver. Three of four theses depend on liquidity staying supportive, so a single regime shift moves them together. That's a concentration the position weights hide.
confidence 64% · medium
Evidence used: 6 referenced · Tools planned: 3 (not executed) · Would break it: liquidity turning supportive across two prints. Demo
The signature experience

One portfolio enters. Watch it flow.

Institutional Workspace Demo · sample data

Portfolio

Demo

Your book enters the operating system — 12 positions across 4 asset classes.

Net exposureUSD 68%
after fund look-through
Positions12
4 asset classes
Alignment74/100
Holdings
Demo
DEMOCO Equity18.2%+0.9%
SAMPLX Equity12.6%−0.4%
TESTBND Fixed income22.0%+0.1%
XMPL-USD Crypto6.4%−1.8%

Captain Umro reads across all of it — regime, holdings, evidence — before you ask.

Read my book.
You're late-cycle long quality with a hidden rate-duration tilt. The book leans on liquidity staying supportive — that's the single assumption doing the most work.
confidence 61% · medium

The dashboard — the whole research state at a glance.

Research health78/100
Evidence72/100
Risk health71/100
Active theses4
Recent changes
just now
Evidence strengthened — quality thesis
2 steps ago
Macro regime → late expansion

Primary regime Late Expansion · confidence 63% — hover a driver.

Regime dimensions
Demo
Economic cyclelate_expansion · 72%
Liquiditytightening · 68%
Risk sentimentrisk_on · 55%
Global growthslowing · 64%
Volatilityelevated
Deteriorating liquidityHawkish policyRegime-change tells

How every asset class is reading the same regime.

EquitiesSupportive
Fixed IncomeAdverse
CommoditiesMixed
FXNeutral
CryptoMixed
VolatilityAdverse
Real EstateNeutral
CashSupportive

The committee checklist — readiness: committee_review. Expand blockers.

Thesis stated & falsifiablepass
Evidence above floorpass
Contradictions resolvedreview
Drawdown path modelledpass
[moderate]contradiction: cross-asset disagrees on duration
[low]assumption: liquidity stays supportive

Survival first — health across the 12 risk categories.

Risk health
71
Guardeddrawdown modelled
Concentration
46
Elevatedshared driver
Evidence
63
Adequate2 below floor
Cascading risks
Demo
[cascading]Liquidity regime shift3 affected

Ranked reads — strongest long quality.

Opportunity hierarchy
Demo
1.long quality — high_conviction74/10068%
2.long cash — emerging61/10057%
3.short high-beta — developing52/10049%
4.short duration — monitoring38/10041%

Stress the book against "what if" paths.

[systemic]
macro_regime_changed

Liquidity flips to funding stress. Affected — 3 conclusions, 2 theses.

[significant]
evidence_removed

Quality signal decays. Affected — 2 conclusions, 1 thesis.

Impact summary
Thesissystemic
Portfoliosignificant
Macrosignificant
Risksystemic

What changed since your last review point.

Change events
Demo
now
[critical] macro: liquidity supportive → tightening
step -1
[moderate] evidence: coverage 74 → 72
step -2
[low] opportunity: quality 70 → 74

Meeting health 76/100 — packets & agenda.

Agenda
Quality thesis reviewdiscussion_ready
Duration disagreementneeds_more_research
Packets
Demo
long qualityquality 78/100
short high-betaquality 44/100

Author → backtest + gauntlet → certify. Draft-only, gated.

Strategy validation
Demo
Quality-carry v3 [forward_test]PASS_RESEARCHDSR 0.31
Vol-compression [backtest]NEEDS_PAPERDSR 0.12
Momentum-flip [draft]FAIL_MULTIPLE_TESTINGPBO 0.61

Everything you just saw — encrypted with your passphrase before it leaves the device.

device.key      local · never uploaded
portfolio.enc   AES-256 · client-side
server.store    ciphertext ✓
server.canRead  false

The full workbench — native on Windows, with an offline-capable AI runtime.

WorkspaceFull desk set
AI runtimeOffline-capable
ChartsDeep library

Windows · available

The same intelligence in any modern browser — nothing to install.

app.buildyourpocket.com

Open the app, sign in, and your encrypted picture follows you.

And in your pocket — Captain Umro, your book, risk and alerts, native on Android.

Captain UmroOn the go
Risk health71/100
SyncEncrypted

Android · available · see the showroom →

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Internal read-only research workspace · a visualization of existing reports · not investment advice · no orders · no execution · no forecasts.

Privacy by architecture

Why encrypted sync
changes everything.

Portfolio, journal and broker keys live on your device. Turn on sync and it's encrypted with your passphrase before upload — our servers store ciphertext and can't read it. See exactly how, stage by stage.

Explore the security model →
sync · zero-knowledge
device.key      local · never uploaded
portfolio.enc   AES-256 · client-side
broker.keys     on-device only
server.store    ciphertext ✓
server.canRead  false
One OS, everywhere

Desktop, web and Android —
the same intelligence.

Start a thesis on the desktop, check risk on the web, get the alert on your phone. Encrypted sync keeps one continuous picture.

Pricing

Start free. Grow into the whole OS.

Every plan is honest about what it does. No auto-trading, ever — on any tier.

Free
$0/mo

Charts, indicators, paper trading, journal and portfolio tracking.

  • Charts + full indicator library
  • Paper trading + trade journal
  • Portfolio tracking
  • Market data (your own API keys)
  • Alerts (20/month)
  • CSV export of your own data
Start free
Premium
$19/mo

For active investors — real-time data, cloud AI and synced devices, on top of everything in Free.

  • Real-time Market Data
  • AI Copilot
  • AI Research
  • Cloud Sync
  • Cross-device Sync
  • Unlimited Alerts
Choose Premium
Pro
$49/mo

For active traders — everything in Premium, plus validation and Captain Umro.

  • Everything in Premium
  • Broker Integration
  • Monte Carlo
  • Captain Umro
  • Advanced Reports
Choose Pro
Elite
$129/mo

The full Wealth OS — everything in Pro, plus wealth, tax and digital-twin planning.

  • Everything in Pro
  • Wealth Management
  • Tax Planning
  • Financial Digital Twin
  • Advanced Cloud AI
Choose Elite

Premium, Pro and Elite are billed monthly, or annually with about two months free ($190 / $490 / $1290 per year). Free is available today. Everything in BYP is research and draft-only, not investment advice.

Preview tools — Quant Lab, the strategy backtester, the screener, Pro Charts, edge ledger and portfolio quant stats — are free to use and clearly labelled in-app. Several run on demonstration data rather than a live feed, so they are never sold as premium analytics. Options analytics and on-chain analytics are free educational Demo models awaiting a real data provider.

Questions

The honest answers.

Does BuildYourPocket trade for me?

No. Every workflow is draft-only. Nothing auto-executes real-money orders. You make every decision and, where you choose to act, you do it through your own broker.

Is Captain Umro financial advice?

No. Umro is a research assistant. Its output is for analysis only, may be wrong, and must be independently verified. BuildYourPocket is not a broker-dealer or investment adviser.

Is the data on this page real?

No — everything in the product windows here is clearly labelled demo / sample data. Inside the app, live and delayed data is labelled too, and sample data is never presented as real market information.

How is this different from TradingView, ChatGPT or Bloomberg?

TradingView charts; BuildYourPocket reasons. ChatGPT is a general model with no memory of your book; Umro reasons over your actual portfolio with cited evidence and calibrated confidence. Bloomberg is a data terminal for institutions; this is an institutional research process, priced for individuals, that never sells or auto-trades your data.

Where does my data live?

On your device. Optional cross-device sync is end-to-end encrypted — we store ciphertext only and cannot read your portfolio, journal or broker keys.

How do backtests avoid over-fitting?

Every strategy runs a statistical gauntlet — walk-forward, regime splits, and multiple-testing controls (DSR & PBO) — and results are shown honestly, with their limitations.

One investment OS

Understanding changes everything.

You've walked the whole system — the reasoning, the risk, the evidence. Now it's yours: free to start, draft-only, on every device you own.

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