What changed, and when

• 2026-09-08v2.2.0 · current
  Added

  • The banker. One assistant, reachable from the same place in every view header, opened already holding that view's state — profile, regime reading, horizon, portfolio value, drift and your standing mandate.
  • Standing mandates. Six of them, each stating who it is for, the horizon and what it will not accept, and each printing what it costs you before you pick it — the conservative mandate gives up compounding for a shallower fall; the growth mandate accepts a deeper fall you would have to sit through without selling.
  • The mandate log. Every autonomous action recorded with what it did, why it did it, and the number it produced, computed from the same functions the panels use. Filters for changed something and wants a decision.
  • Zero-input onboarding. One question — what are you here to do? — with six answers. Picking one sets the weights, horizon, drift tolerance, the guard it argues hardest and the mandate. The banker then explains what it chose, why, and what it costs, and produces its first output unasked.
  • Self-audit sweep. The banker publishes its own misses on rotation with every other check, including the wrong calls and the lagging stretches (simulated data in the demo preview).
  • The regime model itself is untouched at v2.1: the banker reads the published rule, it does not get a vote in it.
  • Pause, resume, undo the last action and change the mandate — each one click, each on the Standing mandate view. Undo only ever touches entries tagged changed something; the original stays in the log, struck through.

  Changed

  • Refusals are now stated in full rather than deflected: leverage, margin, hour-by-hour trading and promised returns are declined out loud, as is moving a weighting because a forum post argued for it.
  • The banker prices the rebalance in full — trades, euro moved, expected slippage, and legs skipped on the 20 bps cap — and stops there. It does not place trades on any tier.
  • The Track record view, including the wrong calls and the lagging stretches, is now explicitly outside the paywall on every tier.
  • Documentation: new banker section covering what it does, the six mandates and their costs, what it refuses, where its numbers come from, and how to pause, undo and stop it.

  Fixed

  • The Balanced weights shown on the landing page were the neutral-regime figures while the meter read 38. Both now show the risk-off weights the model actually holds: equities 34 %, bonds 28 %, gold 20 %, Bitcoin 6 %, cash 12 %.
• 2026-09-01v2.1.0
  Added

  • Regime model v2: geo-risk component now blends GDELT conflict tone with conflict-event density (30-day) against a 3-year baseline.
  • Alerts feed in the app, with the built-in alert set (regime flip, inflation print, liquidity threshold, geo-risk spike, allocation change).
  • Community feed on the dashboard and the readers' forum with tag filters.
  • JSON and CSV export of the allocation, band rules and caps (Pro).

  Changed

  • Hysteresis rule tightened from 6 to 8 points; confirmation window unchanged at two weekly readings.
  • Weekly change cap applied per asset (was per portfolio).

  Fixed

  • Meter tiles occasionally showed the previous week's liquidity figure until a hard refresh.
• 2026-07-15v2.0.2
  Changed

  • Drift table now warns when holdings do not sum to 100 instead of silently normalising.

  Fixed

  • Projected-range fan was re-seeded on every profile change, making comparisons confusing. Seeds are now stable per horizon.
  • Drift table rounded to whole points inconsistently when holdings did not sum to 100.
• 2026-06-02v2.0.0
  Added

  • Portfolio builder behind the wall: profile, horizon, holdings, drift table, "why this weighting".
  • Three risk profiles with published bands and the 15 % Bitcoin hard cap.
  • Historical regime archive since 1986 (Pro).

  Changed

  • Free tier now includes the Balanced allocation (read-only). Previously Free was brief + meter only.
  • Planned Pro price set at €19 / month, with an annual option at €190.
• 2026-03-10v1.9.0
  Added

  • Risk meter on the landing page with component tiles and the underlying figures.
  • Weekly brief archive with tag filters.

  Changed

  • Liquidity component now converts non-USD aggregates at market rates rather than PPP.

  Fixed

  • Brief archive filters reset after navigating back.
• 2025-12-04v1.8.1
  Fixed

  • CPI release-day recompute ran before BLS publication in weeks with a Thursday release; now waits for the print.
  • Gauge label overflowed on narrow screens.
• 2025-11-06v1.8.0
  Added

  • Inflation-momentum component: 2-year TIPS breakeven added alongside core CPI trend.
  • Brief e-mail now includes the meter reading in the subject line.

  Changed

  • Brief publication moved from Friday to Thursday 07:00 CET.

Version numbers follow the regime model. Model-affecting changes bump the minor version; presentation fixes bump the patch. Briefs record the model version they were produced with.