Most investors don't know who they really are. You think of yourself as long-term, patient, disciplined, immune to hype. Is that what your transactions say? For almost everyone, the honest answer is that nobody ever checked.
The Cyborg Advisor, SwissBorg's advisory service, changes that. Every week it reviews your portfolio, has three AI agents debate it, and sends you one short personal verdict. The subject is your portfolio, your discipline and your habits. The market only comes in where it touches them.
The difference in one example
A generic AI chatbot says: "Consider diversifying your portfolio to reduce risk."
The Cyborg Advisor says: "Your top asset is 71% of your portfolio, and your last twelve buys all added to it. Your Satellite layer is 67% against a reference of 34%."
The first answer could be sent to anyone. The second could only be sent to you.
That gap comes from what the model can see. Before it writes a word, the Advisor reads you through 2.3 billion data points and 8 years of real investor behavior.
Three agents, one verdict
Instead of one chatbot doing everything, the Advisor splits your week between three specialists and makes them argue.
- The Portfolio Analyst opens. It looks at how your portfolio is built compared with the reference allocation.
- The Risk Guardian pushes back. It weighs your exposure against what the market did this week.
- The Behavioral Coach closes. It looks at the person behind the portfolio: discipline, patterns, streaks.
Then comes the verdict. Either all three agree, or they hold three distinct views, and each agent states its position.
The verdict is what you read first: what the three readings add up to. Often they point the same way, and the briefing says so. Sometimes they pull in different directions, your structure looking healthy while your behaviour does not, and that tension is usually the most useful thing in the week.
Something to compare yourself to
Knowing how you behave is half of it. The other half is knowing what a portfolio should look like.
The Advisor comes with a Reference Portfolio, a model allocation that rebalances every week across five layers.
BORG is the utility token of SwissBorg and the heart of the ecosystem. It is what unlocks the better side of the platform such as higher yields, higher cashback on your trading.
Gold is tokenised gold. A store of value that has historically outpaced inflation over long horizons, and the one part of the portfolio that doesn't answer to crypto.
Stablecoin is value parked and ready to deploy. The reference uses USDG, but any stablecoin pegged to the currency you think in does the same job.
Core is the five largest tokens by market capitalisation, stablecoins excluded. Today that means BTC, ETH, BNB, XRP and SOL. We don't pick this list. It is simply the top of the market, and when the top five change, Core changes with them.
Satellite is everything else: any token you hold that sits outside the four layers above. Mid-caps, sector plays, newer listings, your conviction bets.
Gold and stablecoins together are your Reserve, the part of the portfolio that carries no crypto risk and holds the capital you have ready to move.
Every week you see your layers next to the reference in percentage points, along with how the reference performed and how you performed. You get a number and a gap, which is a lot more useful than being told to diversify.
The allocation is ours, the tokens are yours
The Advisor reviews and recommends on allocation, meaning the share of your portfolio in each of the three layers. What you hold inside each layer is entirely your choice.
If you have strong conviction on Solana and want more SOL than BTC in your Core, that's fine. If you want one altcoin to carry most of your Satellite, also fine. The Advisor won't argue with either. It looks at the size of the buckets, not at what you put in them.
The split is deliberate, and it reflects what can honestly be known. Nobody can predict which token will outperform, and we won't pretend otherwise. What a model allocation can do is describe a structure and how that structure has behaved historically. Past performance is not a reliable indicator of future results, and the balance between Reserve, Core and Satellite is where the Advisor has something useful to say. The conviction stays yours.
Advice on shape, not on tokens
This is where the Advisor advises, and where it stops.
It will tell you that your Satellite layer is 33 points above the reference, and what closing that gap could look like with the SwissBorg tools you already have. It will not tell you to sell one coin and buy another. It never names the trade.
The rule works in both directions. More risk means more Core and more Satellite. Less risk means more Core and more Reserve. More Satellite exposure without picking names means a Bundle.
You choose the asset and you place the order. Every suggestion ends the same way: your call to make. In crypto, the biggest risk is behavior, more than volatility.
A weekly loop
The Advisor doesn't advise once and disappear. Every week it picks up from what changed: what you did, and what you were right to leave alone.
- You invest, hold or do nothing.
- The Advisor reads your signals in context.
- The three agents debate and reach a verdict.
- Your briefing arrives with the verdict, the playbook and at most one move.
- Your call: act or don't. Both are answers.
Built for every kind of investor
SwissBorg's data team identified four investor personas. They came out of the data and describe how people actually invest:
- Capital Preserver, the steady holder
- Long-term Builder, quiet conviction
- Opportunistic Investor, the burst mover
- Active Trader, the routine trader
Your persona is half of what the Advisor knows about you: how you actually behave, read from your record. The other half comes from your suitability assessment, where you give your investment horizon and risk tolerance. The Advisor holds both and tailors the advice to your profile and to what the market is doing that week.
So the same portfolio gap can lead to a different conversation for two investors. The right balance for someone saving over ten years is not the right balance for someone trading this month. The observation itself doesn't change: a concentrated position is flagged as concentrated for everyone.
There is no best persona, no score and no ranking. It's a mirror.
What lands in your inbox
A two-minute read, every week, with three things in it.
The verdict, and how sure each agent is of its part. Your three layers are set against the reference, so the gap is a number and not a vague recommendation. Then, from the SwissBorg services (Auto-Invest, a Bundle, Earn or a trigger order), we select the one best suited to closing that gap.
Then it stops. Nothing to check, nothing to log in for. Some weeks the whole message is that your portfolio is where it should be and you have nothing to do. In that case, congratulations.
That is the point. One honest read of your own position, delivered often enough to matter and short enough to finish.
The Advisors are in session
To get your weekly analysis, you complete a short suitability assessment and accept the terms, so the advice is adapted to your profile.
Find out who you really are as an investor.
The Cyborg Advisor is an advisory service available to investors who have completed a suitability assessment and accepted the applicable terms. It provides personal recommendations at portfolio-allocation level and never places orders: every order is placed by you. Investor personas are descriptions of observed behaviour computed from platform activity. They are not a suitability assessment, a risk profile within the meaning of applicable financial-services regulation, or a prediction of future behaviour or performance. All investors receiving the service share the risk band established by their own suitability assessment; the persona measures describe behaviour within that band and never modify it. The Reference Portfolio is a model allocation provided for comparison. It is not a managed product, it is not available to invest in directly, and it is not a promise of performance. Any objective stated for it is an aim, not a commitment. Historical results are replayed on past data, are shown after fees, and do not predict future results. Crypto-asset investments carry a high degree of risk, including the possible loss of the entire amount invested. AI-generated content may contain errors.