Morning brief
Good morning, Nze. Cash is —. The book is —. You spent nothing yesterday. Safe-to-invest surplus is —.
Lowest balance in 90 days is — on —. Core is 9 points over its 70% target. Satellite and crypto are empty. Health is —.
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Portfolio
—
90-day change
—
Investable surplus
—
Kill switch
Trading permitted while armed
Where the surplus goes
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—
Watchlist
Three names entered research. None cleared the risk engine.
- NVDA · 76 Watch
- DANGCEM · 71 Hold thesis
- ETH · 64 Below bar
Available cash
—
Reserve floor
—
Lowest projected
—
Safe surplus
—
What is limiting you
Binding constraint: the emergency reserve floor of ₦4,294,088.28. The surplus is whatever sits above it at the lowest projected balance.
Cash-flow forecast
90 days · minimum ₦7,159,845.89 on 24 Sep · does not go negative.
| Day | Opening | Essential | Discretionary | Closing | Pessimistic |
|---|---|---|---|---|---|
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Last 7 days
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Leaks
Subscriptions rose from ₦28k to ₦51k over three months. Transport is 34% above the six-month average. Two unused memberships are still billing.
Spending discipline 71 / 100
Categoriser
Paste a bank narration. The money core names the category and the rule. Nothing is stored.
Category · —
Confidence · —
Decided by · —
Rule · —
Financial health
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| Component | Score | Weight | Detail |
|---|---|---|---|
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Healthy, with 100% coverage. The drag is cash-flow stability at 10, not the reserve. A ₦1.8m landlord payment sits inside the window, so the monthly average looks worse than the year. The forecast does not go negative.
Should I invest more?
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Investable surplus is the lowest projected balance minus the reserve floor. The floor is six times the monthly cost of living. Conservative surplus is that figure less ₦585.
Recommended split
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The surplus goes to the sleeves below target, not spread at the target ratio. Satellite is short ₦1,429,663.50. Crypto is short the same. Status: waiting for you. Transfers do not run by themselves.
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Allocation versus target
| Sleeve | Now | Target | Value | Target value | Drift |
|---|---|---|---|---|---|
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Holdings are not listed at this phase. The book reports balances and drift, not a ticker table. Drift tolerance is 5 points before a sleeve is flagged.
Phase 2 · research markets off
The engine reports research_markets and recommend_trades as off. The ticket below is the paper layout for a later phase. It is not a signal the book computed.
Decision record 000183
NVDA · buy candidate
Horizon satellite · signal 78 / 100 · risk medium · Awaiting approval
Positive earnings trend. Strong momentum. Improving analyst estimates. Portfolio impact is +2.0% semiconductor exposure. Proposed allocation 1.5%. Invalidation: earnings estimates deteriorate materially.
Sources · Alpha Vantage · SEC 10-Q · broker mid
Research queue
- NVDA 76 composite Buy · satellite
- MSFT 74 Watch
- DANGCEM 71 Core hold
- BUAFOODS 66 NGX screen
- SOL 58 Below bar
The model does not predict tomorrow’s price. It interprets scored signals.
Phase 3 · recommendations on, execution manual
The desk now recommends: the plan names what to buy, how many shares and how much, from the money you record as free and the prices the feeds report. It places nothing. Every execution capability is still off, so you place the orders in your broker's app, and every recommendation traces to the plan on the Adviser panel.
Satellite book
Target 10% · currently empty
Risk per trade
₦25,100 monetary
Day result
Kill at −2%
Open orders
Waiting on you
Position sizing · NVDA
Once the satellite sleeve is funded, sizing works like this. Book ₦2.51m. Max risk 1% is ₦25,100. A 5% stop implies about ₦502,000. A 4% position cap then cuts the ticket to ₦380,000. The live book is ₦0 today, so this ticket cannot be sized.
- Market data Feeds agree within 8 bps
- Quant signals Composite 76
- AI interpretation Buy · satellite · 21-day horizon
- Risk engine Pass · size cut 24%
- Execution Human approval
Tracked positions
track_crypto is false at this phase
Book sleeve
0% against a 10% target
Leverage
Spot only · no margin or futures
Sleeve rules
Bitcoin, Ethereum, selected large-caps, and stablecoins. No futures, margin, perpetuals, or automated borrowing. Extra exits: extreme volatility, exchange risk, depeg, a regulatory event, custody risk. Quidax is the first adapter. Others can be swapped without rebuilding the adviser.
Quidax · NGN · 23 Sep 03:15 UTC
Prices are a snapshot from Quidax. They are not the book’s holdings.
| Market | Bid | Ask | Last | As of |
|---|---|---|---|---|
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USD/NGN official
—
Parallel market
—
Parallel premium
USD/NGN quotes
Independent sources, deliberately not averaged.
| Source | Naira per dollar | As of | What it means |
|---|---|---|---|
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Inflation readings
Each series keeps its own date. A stale figure is marked, not hidden.
| Series | Year on year | Period | Frequency |
|---|---|---|---|
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What it does to money
- Naira inflation —
- Purchasing power lost −18.71%
- Dollar inflation —
- Purchasing power lost −3.24%
Derived, not asserted. The loss is not the headline rate.
Real exchange rate
Nominal × (US CPI / Nigeria CPI), both rebased to January 2025.
- Real rate —
- Nominal rate —
- Real versus nominal −13.75%
- Real change, Jan 2025 to Aug 2026 −29.14%
- Nominal change in that window −15.67%
Nigerian prices rose faster than American ones, so the same quote buys less real American goods than it did at the base. Most of the loss is domestic prices, not the printed exchange rate.
Adviser
Ask a question, then this asks a model to rephrase the answer.
Free to invest
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This desk places no order. It tells you what to buy, how many shares and how much; you place it in the broker's app.
What I hold
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Grounding
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Bank balanceOpen Banking · 21:04
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Broker positionsBamboo sync · 20:58
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NGX lastOfficial end of day · 22 Sep
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PolicyCore 80–90 · satellite 10–20 · crypto cap 8%
Answers are written from these rows. A price or a filing figure is never invented.
An order it states is the plan computed from your policy and live prices, never one the model chose. It may also report headlines, with their source and time, as what is being reported rather than as fact.
The wording of an answer is written for you by a model, from these rows only, and it is labelled as written for you rather than computed. Any answer that contains a figure which was not already in the data is thrown away, and the computed answer is shown instead.
Restrictions the system enforces. Separate from what any model recommends. Phase 2 · investment dashboard · read only.
Figures from the — dataset until a bank is connected.
Kill switch
Trading permitted only while armed
Capabilities enabled
What this phase permits
Drift tolerance
Band before rebalancing is flagged
Limits by horizon
| Control | Core | Satellite | Crypto |
|---|---|---|---|
| Max position | 12% | 4% | 5% |
| Max loss / trade | — | 1% | 1.5% |
| Daily drawdown | — | 2% | 3% |
| Exit style | Thesis | Stop + time | Vol + event |
| Automation | Off | Paper | Off |
Automatic stops
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Capability gate
| Capability | State | Note |
|---|---|---|
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Provider adapters
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