Roadmap & Ideas

The high-value features — managed accounts and a vetted copy-trading network. Both are DIMS/FAP-licensed activities. Built as designs; switched on the day the licence lands. Anonymity is never a substitute for a verified track record.

Vetted people helping others in their own region, in person or by phone, as authorised advisers under the Satis FAP. This is the "creating jobs" vision — real, local employment inside a licensed firm (Satis Omnibus Limited).

Built on the discipline of the world's best funds (Norway's GPFG, NZ Super Fund, Santiago Principles): fund from surplus, spend only the return, diversify, govern transparently. Digital assets a small governed sleeve — never the core.

A bank owned by New Zealand and its people is a Crown institution — something only government can establish. We propose it; we don't own it. It stays a proposal to the RBNZ / Treasury, cleanly separate from our software company.

The decentralisation that's real today: users run the software on their own accounts and self-custody their funds. Community/token governance is a careful Phase 3 aspiration — the licensed operating entity stays a recognised company, not a leaderless org.

Free, honest education — sound-money principles, best-practice guides, and clear signposts to licensed advisers. The lawful way to help people manage their own money, today.

Now: Auroria explains the app, teaches general money & business concepts, helps you organise your own questions for an adviser, and signposts licensed professionals near you (adviser, accountant, lawyer). Phase 2 (post-FAP licence): personalised guidance. Also planned: AI trade explanations — Auroria explains an individual trade on request (educational only, never advice), delivered on-demand rather than auto-generated on every trade to keep AI cost sane. What it will never do: generate personalised financial advice for a professional to rubber-stamp — that isn't lawful, free or paid.

Two lawful parts: a neutral, region-aware directory of licensed professionals (adviser, accountant, lawyer) and free NZ services, and a printable “Meeting Brief” that organises your own information plus smart questions to take to them. The app connects and prepares; the licensed professional advises. Personalised advice from the app is Phase 2, post-licence.

Live now: non-custodial crypto trading on the XRP Ledger via the user's own Xaman wallet (XRP + regulated RLUSD) — we never hold funds. Future (licence-gated): KYC'd on-chain trading using XRPL's decentralised identity (DID) + verifiable credentials + Permissioned DEX — compliant, still non-custodial. Plus AMM-depth-aware execution (post-launch) and XRPL as a settlement/liquidity rail at institutional scale. Not a retail yield product — liquidity provision (impermanent-loss risk) stays out of the spot-only app.