How Fincai works, step by step

Fincai turns a market question into reviewable analysis by reading market data, consulting specialist agents, pricing options when needed, checking configured limits, and previewing an order before manual execution. Autonomous strategies follow your saved rules in paper mode by default, with live trading as an explicit opt-in. Last updated 2026-09-01.

Step 1: market data ingestion. Fincai starts with live quotes and historical price bars rather than a made-up quote. Its market-data service uses Alpaca with an Alpha Vantage quote fallback and shows unavailable or error states when a source cannot provide data. Step 2: multi-agent analysis. Technical, sentiment, and fundamental agents examine separate parts of a question before a structured bull/bear debate presents opposing evidence and market-regime context.

Step 3: options pricing and Greeks. When a question involves options, a broker-independent engine calculates delta, gamma, theta, vega, rho, implied volatility, break-evens, and payoff scenarios. Step 4: risk checks. Users can inspect payoff scenarios, position sizing, Value at Risk, and saved strategy rules. Autonomous runs re-check position and notional caps against the live price at entry and use a market-hours guard for live activity.

Step 5: order preview and confirmation. Manual equity trades are confirmation-first: the chat or terminal prepares a preview and no manual order is sent until the user approves it. Step 6: monitoring and exit logic. A server-side runner applies configured entry, stop-loss, profit-target, trailing-stop, and time-stop rules, persists its state, and supports individual stops and a global kill switch.

What Fincai does not do: it does not guarantee results, predict the market, provide personalized financial advice, receive a Robinhood password, or move funds or securities. Live autonomous strategies are distinct from manual orders: after a user explicitly arms a live run, it may place and close equity orders within configured limits without a separate confirmation for each order.

Fincai's analysis is generated by AI systems that can be incomplete, out of date, or simply wrong, including in ways that read as confident and specific. Treat every output as a starting point for your own research, not a conclusion. Verify before you act.

You are solely responsible for the orders placed and the positions held in your account. Manual trades require your explicit confirmation before they are sent. If you arm a strategy in live mode, you authorize it to place and close orders automatically within the limits you set, without a separate confirmation for each order — you can pause or stop it at any time.

Fincai is a software tool for market analysis and order entry. It is not an investment adviser, broker-dealer, or financial planner. Nothing Fincai produces is personalized investment advice, a recommendation to buy or sell any security, or an offer or solicitation of any kind. Fincai does not consider your financial situation, investment objectives, tax position, or risk tolerance.

Trading involves substantial risk, including the possible loss of the entire amount invested. Options carry additional risk and are not suitable for every investor. Before trading options, review the Options Clearing Corporation's disclosure document, Characteristics and Risks of Standardized Options.

Fincai is for informational purposes only and is not a registered investment adviser. It does not provide personalized financial advice. Trading stocks and options involves risk, including the possible loss of principal.

Not affiliated with or endorsed by Robinhood Markets, Inc.

Market data ingestion with clear unavailable states
Specialist technical, sentiment, and fundamental agents
Structured bull and bear debate
Broker-independent options pricing and Greeks
Confirmation-first manual equity orders
Paper-first autonomous strategy monitoring and exits