Order from
chaos.
Stop switching between banking apps, spreadsheets, and notes. Nuxa replaces the fragmentation with a single, intelligent grid designed for total visibility and control.
Phase I: Foundational Command
"Structural integrity and the bridge between current control and future legacy."
Aggregation Engine
A non-custodial ingestion layer synchronising disparate data nodes into a unified state.
Ingestion Pattern
DIH Architecture
Access Protocol
Non-Custodial (RO)
Sync Frequency
Real-time / Elastic
Architecture
4-Star (Modular)
Change Velocity
+30% Efficiency
COREBANKING
CARDSYSTEMS
PAYMENTENGINES
DATAMETADATA
The What
The primary intake manifold of the NUXA ecosystem, functioning as a non-custodial, "read-only" ingestion layer that establishes secure telemetry with external financial institutions. Operates as a Digital Integration Hub (DIH) for data transformation.
The Why
The proliferation of financial "creep" and legacy bank bottlenecks (often 40% slower updates) requires a modern API layer to provide a "Single Brain" that anticipates and models household data to prevent "leaving a mess for tomorrow".
The Methodology
Logical Flow: Input (OAuth 2.0/Open Banking) → Process (Normalisation Algorithm / Refreshed State Management) → Output (Unified Real-time Data Layer). Wraps legacy COBOL systems in a modern, 4-Star modular architecture.
Governance Layer
Orchestration engine for multi-party management with granular permissioning.
Architecture
Zero-Knowledge (ZK)
Access Model
RBAC + Node Gates
Permission Matrix Active
The Family Trust
FullSync
Partner
TaxOnly
Accountant
LegacyView
Lawyer
The What
The orchestration engine for multi-party financial management. Facilitates the transition from individual-centric banking to a collective "Single Brain" with granular permission controls.
The Why
Existing tools fail to account for the collaborative reality of modern households. This layer solves fragmentation by providing a unified environment for partners and advisors.
The Methodology
Operates via Privacy Toggles and Node Gates. Uses Role-Based Access Control (RBAC) and Zero-Knowledge encryption to segment access (e.g., exposing tax docs to accountants while hiding family notes).
The Vault
Isolated, Zero-Knowledge environment for all sensitive user data. Engineered to ISO 27001 and AES-256 standards.
Encryption
AES-256Banking Grade
Privacy
Zero-KnowledgeISO 27001
Data Structure
IsolatedGDPR Compliant
Security Core Active
ID-NODES
CORE-MET
GOV-LOGS
ZK-KEYS
Isolated Multi-Tenant Partitioning
The What
The security core of the NUXA Operating System, providing an isolated, Zero-Knowledge environment for all sensitive user data engineered to banking-grade standards.
The Why
Trust is the foundational requirement. For users to aggregate their 'entire financial picture,' they must be certain that their data is invisible even to the service provider.
The Methodology
Logic Flow: Input (Encrypted Payloads) → Process (AES-256 / Isolation / ZK Audits) → Output (Secure Persistent State). Mirrors 'Swiss Style' design: clean, functional, and devoid of unnecessary decorative risk.
Survival Runway
Model your autonomy. How long could you sustain your current lifestyle with zero incoming cash flow?
£1.2M
£25K/mo
Autonomy Score
4.0Years of Freedom
48 MO
Time Delta
48 Months
Burn Rate
2.08% / mo
The What
A 'Survival Runway' metric measuring how many months you can sustain your lifestyle if all primary income hits zero.
The Why
Solvency is about the time you have before being forced to sell assets at a discount during a downturn.
The Methodology
R=Monthly Burn Rate∑Liquid Assets
(Calculates the "Runway" in months based on liquid assets vs. burn rate.)
Snowball Projector
Analyse the efficiency of Capital Reallocation. Waterfalling payments accelerates the path to sovereignty.
£3K
Min PaymentsAggressive
Efficiency Metric
Time to Zero
40Months
Credit Line ✓ M8
Auto Lease ✓ M21
Student Loan ✓ M40
Horizon (72 Months)
Momentum
High Vector
Sovereignty
~3.3 Years
The What
A strategic modelling tool that prioritises the elimination of liabilities based on psychological momentum.
The Why
While 'Avalanche' is mathematically superior, the 'Snowball' creates the psychological wins needed for long-term deleveraging.
The Methodology
Remaining Balance=B(1+r)n−P[r(1+r)n−1]
(A summation function where payments P are reallocated as balance B reaches zero.)
Legacy Pipeline
Succesion-management protocol. Automated "Dead Man's Switch" for trustless asset transfer.
Protocol Status
Active Monitoring
Heartbeat: 30d remaining
Logic EngineSolidity / ZK-Relay
Primary Owner
Vault Root
Countdown Interface
Succession Node
The Nominee
_last_action--:--:--
status_pipelineMONITORING_HEARTBEAT
encryption_relayAES-256 Enabled
The What
A succession-management protocol designed to ensure that a user’s financial clarity and capital are not lost to future generations. Functions as a "Dead Man's Switch" triggered by inactivity.
The Why
Self-custodial tools carry the risk of permanent access loss if keys are not shared. This addresses the 'responsibility gap' by automating access transfer without a middleman.
The Methodology
Logical Flow: Input (Nominee + Heartbeat) → Process (Smart Contract monitoring `checkIn()` vs `timeout`) → Output (Designated Vault release).
The What
A dynamic, interactive graph showing the legal 'DNA' of your empire: linking individuals to LLCs, LLCs to Trusts, and Trusts to Assets.
The Why
Complex structures (often spanning multiple countries) become impossible to hold in one's head. This prevents 'orphan entities' or compliance gaps.
The Methodology
A graph-database visualisation (nodes and edges). Clicking a node (e.g., a specific HoldCo) reveals its tax ID, jurisdiction, percentage of ownership, and its 'parent' entity.
The What
A sentiment and alignment monitor that tracks how closely family members' individual goals align with the 'Master Family Mission.'
The Why
Most family wealth is lost not to bad markets, but to 'family divergence': where heirs want to take the capital in conflicting directions.
The Methodology
Anonymised quarterly 'sentiment polls' or voting on major capital deployments are mapped on a 2D grid. High 'Divergence' scores trigger a governance review or a family council meeting to restore unity.
The What
An impact-tracking ledger that measures the social and environmental 'return' of your charitable allocations.
The Why
To ensure capital deployed for 'good' is actually achieving its intended mission, treating philanthropy with the same rigor as a VC investment.
The Methodology
The system integrates with third-party impact databases (like the UN Sustainable Development Goals) to score your Donor Advised Funds (DAFs) or Foundations on specific outcomes like 'Hectares Protected' or 'Lives Impacted'.
Phenotype Diagnostic
Multivariable risk-scoring across three established domains to identify latent financial friction.
S
Detected Profile
"The Survivor"
History of shock events modifying current outcomes.
Model Active
behaviourAL
Caution
Delayed bill payments, avoiding bank statements, high reliance on credit.
7.8
Risk PatternsAvoidanceLate Fees
MATERIAL
Stable
4.2
PSYCHOLOGICAL
High Risk
8.5
The What
A behavioural risk-scoring engine that categorises users into specific "financial phenotypes" to identify latent risks and strengths within their financial profile.
The Why
Clarity is often obscured by behavioural modifiers not directly linked to income. A user's history (e.g., health burdens) modifies their future outcomes.
The Methodology
Logical Flow: Input (Unified Schema + Shock Events) → Process (Multivariable Logistic Regression) → Output (Phenotype Profile).
logit(P)=ln(1−PP)=β0+β1X1+⋯+βkXk
The What
An audit of legal 'lock-ups' that prevent you from accessing capital (e.g. PE commit periods or vesting).
The Why
Wealth is useless if it is 'trapped' when you need it most. Ensures your Optionality remains high enough to pivot in a crisis.
The Methodology
Calculates a 'Liquidity Tier' for every asset. If 'Restricted' capital exceeds 60%, it flags an 'Optionality Alert'.
The What
A forward-looking projection of your 'Debt-to-Equity' ratio and 'Interest Coverage' over the next 5–10 years.
The Why
Ensures growth isn't just a function of rising debt, but of rising equity. Distinguishes 'Fake Wealth' from 'Sovereign Wealth'.
The Methodology
Sovereignty Ratio=1−(Total AssetsTotal Liabilities)
(Determines immunity to external credit cycles.)
The What
A visual dashboard that categorises debt by interest rate, collateral requirements, and 'callability'.
The Why
Not all debt is equal. A margin loan is 'Red Hot' risk compared to a 'Cold' low-rate fixed mortgage.
The Methodology
Assets and liens are mapped on a colour-coded grid to highlight liabilities that could trigger system failure if prices drop.
The What
Pre-defined 'Checkpoints' that must be hit to restore the system to full health after a significant drawdown.
The Why
Without a recovery plan, a 'lost decade' can occur. These milestones provide a clear, unemotional path back to the baseline.
The Methodology
Defines quantitative triggers like replenishing cash buffers or reducing margin debt, providing a specific action checklist.
The What
A deep-scan of asset classes to see how closely they move in tandem (+1.0) or in opposition (-1.0).
The Why
True diversification is often an illusion. This audit finds the 'hidden threads' connecting your investments.
The Methodology
ρX,Y=σXσYcov(X,Y)
(The Correlation Coefficient ρ determines if assets move together.)
The What
A metric that adjusts your wealth based on the cost of a 'standard basket of goods' in different regions.
The Why
10MinNewYorkbuysadifferentlifestylethan10M in Lisbon. Helps you decide where to deploy 'Lifestyle Capital'.
The Methodology
Integrates global cost-of-living indices to show 'Effective Wealth'. Helps identify where your capital has the most impact.
The What
Your 'True North' number: Total Net Worth minus (Expected Inflation + Deferred Taxes + Management Fees).
The Why
Nominal wealth is a vanity metric. Real Wealth Status tells you what you can actually spend without degrading your future security.
The Methodology
Wreal=(1+i)nWnominal−∑(Tdeferred+Fmgt)
(Adjusts nominal wealth for inflation i, deferred taxes T, and fees F.)
The What
A dynamic calculation of the maximum percentage you can spend annually without ever running out of money.
The Why
To prevent 'Sequence of Returns Risk': spending too much during a market downturn which permanently breaks compounding.
The Methodology
dSt=μStdt+σStdWt
(Models the "random walk" of market prices over 10,000 iterations to prevent sequence of return risk.)
With command established, we deploy the engines of wealth.
Phase II: Active Wealth Engines
"Offensive deployment, risk management, and the maximisation of compounding velocity."
Mandate Logic
σ_actual: 30.0>σ_limit: 60.0
Compliant
Max Risk (+σ)
Max Risk (-σ)
Low VolatilityHigh Volatility
The What
A high-level reconciliation process that ensures every asset class and entity is serving its assigned 'mandate': typically a balance between Capital Preservation and Aggressive Growth.
The Why
Wealth often fragments because an asset intended for long-term legacy (preservation) is accidentally managed with short-term risk (growth), or vice versa.
The Methodology
σactual>σmandate_threshold
The system monitors the standard deviation (σ) of an asset to trigger rebalancing alerts.
The What
A multi-dimensional grid that maps your capital across geographies, sectors, and liquidity profiles.
The Why
To ensure you are not 'over-weighted' in one area, allowing for a balanced exposure to global growth drivers.
The Methodology
Calculates current weightings against a 'Target Model'. If a sector drifts 5% beyond target, it triggers a rebalancing alert.
Capital Stack
Balance Equity (E) vs. Debt (D) to minimise Weighted Average Cost of Capital.
Structure (E/V vs D/V)
Equity 60%
Debt 40%
Cost of Equity (Re)10.0%
Cost of Debt (Rd)5.0%
Corp Tax Rate (Tc)25%
WACC
7.50%
6.00%
Equity
1.50%
Tax Shield
(E/V × Re)
|(D/V × Rd × [1-Tc])
The What
An analysis of the 'layers' of financing within your portfolio (Senior Debt, Mezzanine, Equity).
The Why
To ensure you are using the cheapest form of capital to fund growth, lowering your weighted average cost of capital (WACC).
The Methodology
WACC=(VE×Re)+(VD×Rd×(1−Tc))
(Optimises the capital stack by balancing the cost of equity Re and debt Rd.)
The What
A long-range mathematical projection of your wealth trajectory based on current growth rates and reinvestment habits.
The Why
To visualise the 'hockey stick' effect of exponential growth and understand the long-term impact of small changes in yield.
The Methodology
A=P(1+nr)nt
The What
A monitor that tracks the frequency and volume of new capital being injected into the growth engine.
The Why
Compounding works best when fed regularly. Ensures 'Earned Income' is being efficiently converted into 'Capital Assets'.
The Methodology
Sets a 'Pulse Target'. If the pulse weakens, it flags a 'Contribution Gap,' prompting a review of cash flow or distributions.
The What
A ledger of the ongoing expenses required to hold an asset (interest, storage, taxes, maintenance).
The Why
Some assets 'bleed' capital. If the cost of carry exceeds appreciation, the asset is a 'Growth Drag'.
The Methodology
Calculates Net Carrying Cost. If appreciation minus carry costs is less than a risk-free rate, the asset is labelled 'Inefficient'.
The What
A speedometer for your wealth. Measures the rate of change in your net worth over a specific period.
The Why
To determine if wealth is accelerating or decelerating. High velocity indicates an efficient engine; low indicates 'dead' capital.
The Methodology
V=dtd(NW)andAcceleration=dt2d2(NW)
(The first derivative of net worth (NW) over time (t) measures speed; the second derivative measures acceleration.)
The What
A dashboard that pulls in all passive income streams: dividends, interest, rents, and staking rewards.
The Why
To maximise 'yield on cost' and ensure that no capital is sitting idle in non-interest-bearing accounts.
The Methodology
Scans all linked accounts for highest available yield, automatically suggesting moves for 'Dry Powder' to high-yield credit.
The What
The strategic selling of assets at a loss to offset capital gains taxes elsewhere in the portfolio.
The Why
Taxes are the single greatest 'Growth Drag'. Harvesting losses allows you to keep more of your gains compounding.
The Methodology
Scans for 'underwater' positions to 'lock in' the tax credit, then suggests buying a similar asset to maintain exposure.
The What
Financial 'insurance' (like put options or gold) designed to pay out only during extreme, rare market crashes.
The Why
To prevent a 50% drawdown that would take years to recover from. It’s the 'airbag' for your capital.
The Methodology
Monitors Cost of Protection. Identifies when insurance is cheap and suggests 'Chaos Hedges' to protect the downside.
The What
A visual heat map of your global purchasing power across different fiat currencies and jurisdictions.
The Why
If 90% of assets are in GBP but 40% of future spending is in EUR (e.g. villa in France), a currency swing could 'tax' wealth overnight.
The Methodology
Overlays Asset Location against Liability Location. It suggests 'Natural Hedges': holding assets in the currency you plan to spend.
The What
A physical and digital inventory of non-financial assets: gold, real estate, art, collectibles, and land.
The Why
These assets often lack a ticker symbol and can be 'forgotten'. They serve as the final line of defence if financial markets fail.
The Methodology
Tracks physical location, insurance status, and 'last verified' date. Reconciles market value of tangibles against liquid net worth.
The What
A stress test measuring how well your portfolio retains value when the cost of living spikes.
The Why
Fixed income can be 'wealth destroyers' during high inflation. This ensures you own enough 'Price Makers' and 'Scarcity Assets'.
The Methodology
Categorises assets by Beta to Inflation. Calculates your 'Breakeven Inflation Rate': the point where growth equals purchasing power loss.
The What
A forensic look at how much wealth is tied to a single founder, company, or sector within the private space.
The Why
Private wins are often 'lumpy.' If one startup is 40% of net worth, you are a hostage to that company’s outcome.
The Methodology
Calculates 'Effective Exposure.' If a holding exceeds a pre-set percentage (e.g. 15%), it triggers a mandate to diversify.
The What
A liquidity-matching monitor that tracks your unfunded commitments to private equity or venture funds.
The Why
Failure to meet a call can result in forfeiture. This ensures you are never caught 'cash-poor' when a GP calls.
The Methodology
Aggregates 'Total Committed' vs. 'Total Paid-In' capital. Checks Dry Powder to ensure 1:1 coverage for expected calls over 12 months.
The What
A simulation tool that projects how future funding rounds (Series B, C, etc.) will shrink your percentage of ownership.
The Why
To understand the difference between 'Nominal Value' (shares worth more) and 'Relative Power' (owning less of the company).
The Methodology
Post-Money Ownership=Total New Shares OutstandingPrevious Shares
The What
A 'What-If' engine that simulates the impact of an IPO, acquisition, or secondary sale on total system solvency.
The Why
To plan for the massive tax and reinvestment requirements that follow a major exit before the money hits your account.
The Methodology
Applies different 'Exit Multiples' to holdings. Calculates Net-of-Tax Proceeds and suggests distribution across Engines and Treasury.
The What
For direct investments or private companies: how long the entity can survive at its current 'Burn Rate' before needing capital.
The Why
To identify which companies in your portfolio are 'Zombies' (requiring infusions) and which are 'Sovereign' (self-sustaining).
The Methodology
Burn Rate=MonthsStarting Cash−Ending Cash
The What
A ledger monitoring any leverage used specifically to fund private equity or startup operations.
The Why
Debt in the private sector is dangerous because the underlying asset is illiquid. You cannot easily sell shares to pay back loans.
The Methodology
Tracks Loan-to-Value (LTV) ratios and interest coverage. Calculates risk of a 'Collateral Call' if valuations drop.
Cash Flow Model
Solve for Present Value. Observe how the Discount Rate (r) erodes the value of future cash flows (Ct).
£100K
£25K/yr
8.0%
Higher risk = Higher r = Lower Present Value.
5 Years
Dilutive
-£182Net Present Value£100K
£
£100K
Year 1: £23K
Year 2: £21K
Year 3: £20K
Year 4: £18K
Year 5: £17K
Formula: NPV = Σ Ct / (1+r)^t
The What
A lifecycle tracker that plots private investments along the path of early losses followed by exponential gains.
The Why
PE usually looks 'bad' on paper for the first 3–5 years. This prevents premature abandonment of a winning strategy.
The Methodology
0=t=0∑T(1+r)tCt
(Solves for r when Net Present Value is zero.)
Wealth is optimised. Now we design the output: Life.
Phase III: Lifestyle Design
"Turning capital into quality of life without eroding the engine."
The What
A high-precision measurement of the total capital required to sustain your current standard of living.
The Why
Knowing your 'Monthly Cost of Being You' is the baseline for all risk and growth calculations.
The Methodology
Burnmonthly=12∑i=112Expensesi
(Aggregates all outflows and averages them over a 12-month rolling window.)
The What
A dashboard that measures non-financial KPIs: Health (biometrics), Time (high vs low value tasks), and Connection.
The Why
Wealth is a means to an end. ROL ensures you aren't 'winning the game of money' while 'losing the game of life.'
The Methodology
Integrates with calendar and health data to calculate a 'Life Balance Score'. Signals imbalance if family time is down while NW is up.
The What
A categorical breakdown of spending into 'Survival/Maintenance' (Non-discretionary) and 'Joy/Status' (Discretionary).
The Why
During a downturn, you need to know exactly which levers to pull to reduce burn without destroying core infrastructure.
The Methodology
Tags expenses as Tier 1 or Tier 2. In a 'Solvency Crisis', the system automatically generates a 'Lean Budget' by zeroing Tier 2.
The What
A qualitative and quantitative tool that evaluates the 'Memory Dividend' of discretionary spending.
The Why
To combat 'Empty Spending.' It prioritises expenditures that provide long-term fulfillment over fleeting dopamine hits.
The Methodology
You assign a 'Fulfillment Score' to major spends after 6 months. It maps cost against lasting impact to optimise for Time-Wealth.
Digital Leaks
Small recurring costs create systemic drag. This model reveals the Opportunity Cost of wasted capital.
£150/mo
Unused SaaS, gym memberships, subscriptions.
20 Years
8.0%
Destruction Multiplier$2.45 lost for every $1 wasted
Compound Loss
Cash Drain
Total Impact£88K
Spent
£36K
Lost
£52K
FV = P × [(1+r)ⁿ - 1] / r
The What
A 'Digital Hygiene' tool that identifies recurring small-batch 'leaks' in the system (SaaS, clubs, memberships).
The Why
Small, recurring costs create 'Mental Friction' and cumulative waste. 'Death by a thousand cuts' can erode buffers.
The Methodology
FV=P×[r(1+r)n−1]
(Calculates the Future Value (FV) of small recurring leaks over 10-30 years.)
The What
A ledger for capital deployed specifically to benefit future generations or your community while you are still alive.
The Why
To shift the focus from 'giving it away at the end' to 'giving with a warm hand.'
The Methodology
Categorises outflows as 'Intergenerational Transfers' rather than 'Expense,' showing how much 'burn' is building legacy.
The What
An automated alert system that triggers when your expenses increase in direct proportion to your income gains.
The Why
'Creep' is the silent killer of freedom. If costs rise as fast as earnings, your Net Worth Velocity remains zero.
The Methodology
Creep Index=ΔIncomeΔExpenses
(Measures the acceleration of expenses against income growth.)
Calibrate your
Personal Framework.
The Nuxa OS architecture adapts to individual financial phenotypes. Begin the analysis to generate your baseline.
Launch Analysis