Positioning Intelligence

Three Ways AI Is Entering Your Financial Life

Coinbase built an AI that trades. CoinTracker built an AI backed by a human team. Token Trust built ALEN — the layer that tells you which kind of help you actually need before you hand anyone your capital.

Coinbase Advisor
AI is the adviser of record
Nino (CoinTracker)
AI plus a CPA / CFP team
ALEN
Diagnostic first, human second
01

Coinbase Advisor

The AI that trades for you.

Coinbase Advisor operates through Coinbase Advisors, LLC — registered with the SEC as an investment adviser and with the CFTC and NFA as a commodity trading adviser. It reads a user's portfolio and issues direct buy and sell calls across crypto, equities, and derivatives.

  • The AI itself is the registered adviser — not a human behind it.
  • Explicit trade recommendations, not general education.
  • Available initially to Coinbase One subscribers in the U.S.
Where it stands
A registered fiduciary is required to put your interests first and disclose conflicts. Coinbase's own disclosures note the advisor's output may be inaccurate or incomplete, and that outcomes remain the user's responsibility — a combination that hasn't been tested in court for an AI-driven adviser.
02

Nino

The AI with a human team behind it.

Built by the team behind CoinTracker, Nino pairs an AI platform with a dedicated CPA and CFP team who handle the actual advisory relationship — investing, retirement, tax strategy, equity comp, and major life decisions, connected into one plan. It's a flat fee, no AUM.

  • The AI does the analysis; licensed humans deliver the advice.
  • Beta, consultation-gated — not a self-serve trading tool.
  • Positioned as a full financial-life platform, not a crypto-only product.
Where it stands
This is a coordination model, not an automation model — closer to what a fee-only planner already does, with AI doing the surfacing. It doesn't carry the same fiduciary-in-a-black-box exposure Coinbase Advisor does, because a licensed person is still the one making the call.
03

ALEN

The layer before either one.

ALEN — The Alignment Engine — isn't a registered adviser and doesn't trade on your behalf. It's a diagnostic and routing tool. It reads your situation through a value-capture lens and routes you: to Signals research, to a direct conversation with Chip, to institutional intake, or to a vetted advisor in the Alignment Circle who can actually execute what you decide.

  • No AUM, no trade execution, no fiduciary claim to defend.
  • Built to identify which kind of help — self-directed, direct, or professional — actually fits your position.
  • Routes toward independent advisors rather than absorbing the relationship itself.
Where it stands
Most investors know what they own. Few know where they stand — and that's the question worth answering before an AI starts trading for you or a CPA starts building your plan.

Side by side

Model Coinbase Advisor Nino ALEN
Adviser of record The AI itself A licensed CPA / CFP team Not applicable — routes to one
Executes trades Recommends; non-discretionary today No No
Fee structure Included with Coinbase One Flat fee, no AUM Free diagnostic; referral-based beyond
Human involved Not by default Yes — dedicated team Yes — Chip or a vetted advisor, when it fits
Built for Coinbase account holders Full financial-life planning Figuring out which of these you actually need

"Most investors know what they own. Few know where they stand."

Ask ALEN

A three-minute diagnostic. No account required, no trades placed.