PRODUCT FACTS · 2026-10-04

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 3.9.2.3 from real external-environment validation that remains pending.

Public Windows release: 3.9.2.3
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 personal-finance and insurance features are included in 3.9.2.3?

Adds a local catalog for reviewed product sources, rights, versions and validity periods, with normalized supplier file/API refresh and restore paths. Calculates variable-rate loans, refinancing, extra repayments, compound savings, flexible contributions, partial withdrawals, confirmed insurance coverage/budget plans and joint budgets. Unknown conditions are not replaced with zero or personal quotes. Adds follow-up questions and recalculation, clause-evidence paragraph search, account-encrypted result storage, expiry and recheck guidance. Prepares registered recipients, preview and consent, manual handoff versus API intake, deduplication, status queries, withdrawal and optional AI explanations. Unregistered recipients receive no submission. Real supplier/adviser authorization and receipt, expert clause review, real Provider calls, live-account orders, Kiwoom OCX login, install upgrades/rollback and long-duration operation remain incomplete. Local calculations and synthetic integration checks do not confirm personal quotes, enrollment, external receipt or future returns.