What does "you approve every move" mean?
"You approve every move" means that nothing happens to your money unless you explicitly say yes to it. There is no standing authority to act on your behalf, no automatic trading on someone else's judgement, and no surprise transactions. Each action is proposed to you, and only goes ahead when you give a clear, deliberate go-ahead - typically a single tap.
This is the practical face of an execution-only model. A tool can do the heavy lifting - watching your accounts, working out what you could spare, and preparing a sensible move - but the decision to act stays a human one. The software proposes; you dispose. That keeps you in control and means responsibility for each action is yours, not delegated away.
It is the opposite of discretionary management, where you grant authority once and a manager acts repeatedly without checking back. Approval-per-move trades a little convenience for a lot of control. When the move involves investing, the usual caveat applies: your capital is at risk and the value of investments can go down as well as up.
Key points
Nothing happens to your money without your explicit, per-action go-ahead.
It is the practical form of an execution-only model - the software proposes, you decide.
There is no standing authority and no automatic trading on someone else's judgement.
It is the opposite of discretionary management, where authority is granted once.
When the move is an investment, your capital is at risk.
How Bank AI relates
"You approve every move" is the core promise of how Bank AI will handle money. Today the app is read-only: it sees everything and tells you the move, but does not act.
When the coming-soon invest layer rolls out, Bank AI will prepare an invest-or-save move based on how you actually spend, and carry it out only when you approve it with one tap, through a licensed, regulated brokerage partner. It is execution-only - there is no discretionary, autonomous trading - and your capital is at risk.
"You approve every move" FAQ
Does this mean the app never acts on its own?
Correct - not with your money. The software can watch your accounts, calculate, and prepare a proposal, but it only carries out a move once you have explicitly approved that specific move. There is no standing permission to trade or transfer on your behalf.
How is this different from a robo-advisor or discretionary management?
Discretionary management grants authority once, after which a manager buys and sells repeatedly without asking. Approve-every-move is the opposite: each action needs its own explicit go-ahead. You keep the decision, and the responsibility, every time.
Is it less convenient to approve every move?
Slightly - you tap to confirm rather than letting things happen automatically. The trade is deliberate: a little friction in exchange for staying fully in control of what happens to your money. The proposal does the thinking; the decision stays yours.
Related concepts
- Concept
What is auto-investing?
Money invested automatically on a schedule or rule - what it is, and what it is not.
→ - Concept
What is execution-only investing?
A provider carries out the trade you decide on - no advice, no discretion.
→ - Concept
What is fractional investing?
Buy a slice of a share or fund instead of a whole unit - invest by money, not by units.
→
Keep the decision yours
With Bank AI you approve every move. Connect every account today, read-only. Available on iOS. Your capital is at risk when investing arrives.
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