Predictika · money actions by an AI assistant

An AI assistant's money action, checked before it is taken

An AI assistant working for a Wealthfront client proposes one money action: a Portfolio Line of Credit draw, a Cash Account transfer, or a new investing account. Before it acts, the assistant sends the action to Predictika, which checks it against a declarative model of the account rules, the borrowing limit, the transfer limits and the account-opening rules, compares the figures the assistant states with the ones it computes, and returns a verdict with every reason.

Scope: Portfolio Line of Credit draws, Cash Account transfers (ACH, wire, check, debit card, ATM) and new investing accounts at Wealthfront, using the limits Wealthfront publishes: eligibility, the borrowing limit, daily limits, account-opening rules and the figures the assistant states. See everything this validator covers

This validator models one money action against the service's rules, not just the scenarios shown below.

  • Portfolio Line of Credit draws — which accounts can borrow (not retirement accounts, 529 plans, the Cash Account or the Stock Investing Account), the $25,000 minimum, only the primary holder of a joint account, a limit of about 30 percent of eligible holdings (leaving out cash, crypto trust holdings and lower-volume securities) less what is already borrowed, and a $5,000,000 cap per account.
  • Cash Account transfers — a daily ACH limit of $250,000, debit card spending of $10,000 a day, ATM withdrawals of $1,000 a day and checks of $25,000 each, counting what already moved today; wires have no daily limit in this model.
  • New accounts — a $5,000 deposit for S&P 500 Direct and Nasdaq-100 Direct, at least three stocks in a Stock Investing Account, and the advisory fee published for each account type.
  • Stated figures — the available credit, the variable rate (the effective federal funds rate plus 1.08 percent) and the advisory fee that the assistant states are checked against what the validator computes.

Any money action that touches these rules is in scope — not only the scenarios pictured here. The limits, rates and fees are as Wealthfront published them in October 2026 and can change; the clients, accounts and amounts in the scenarios are fictional, and no real client or account data is used. Predictika is not affiliated with Wealthfront. Not covered: other products, taxes, margin calls, real market data and more than one action per request. The validator shows computed figures but no line-item table.

The AI assistantReads the client request and accounts, plans the action, and says it is ready to go.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

8 scenarios in 4 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI assistant says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI assistant (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based tools get it wrong
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Our assessment of what a typical rules-based workflow (state rules, approval routing and validation rules, as in many financial back-office tools) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based toolPredictika
A balance change that moves every figure that depends on itOnly with workarounds
Raising the balance changes the eligible value, the borrowing limit and the available credit, so a person fixing the minimum meets a new available-credit error and a new stated-figure error one at a time.		Balance, holdings, loan, draw and stated figures are fields of one request; the limit is recomputed and every rule is checked together on every call.
A figure the assistant states that disagrees with the computed oneCannot do it
The assistant's number is text in a message. Nothing compares it with the computed limit or rate unless someone builds that integration for each figure.		The stated figure travels with the action and is compared with the computed one on every call.
A borrowing limit from eligible holdings, less what is already borrowed, with a capOnly with workarounds
A rule can hold the formula, but which holdings count has to be kept in sync with the portfolio data, and the existing balance and the cap each need their own rule path.		Eligible value, the limit, the existing balance and the cap are computed together from the holdings on every call.
Who is asking on a joint accountOnly with care
The holder, the account ownership and the product each need a rule that knows the others.		Ownership and requester are fields of the request and checked with everything else.
A daily limit that depends on what already moved todayOnly with care
Needs a running total per method. It works when someone keeps it per method and remembers it for every new method.		The amount already sent today is a field; the limit for each method is checked against the running total on every call.
Every problem returned in one answerOnly with workarounds
Rules fire in sequence, so fixing one problem reveals the next.		All findings come back together, whatever order the choices arrived in.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the request; approval findings need a person to sign off; everything else is computed.

    
1The requested draw of $260,000 is more than the $225,000 still available (about 30% of $750,000 of eligible portfolio value, which leaves out cash positions, crypto trust holdings and lower-volume securities).
2The stated available credit of $255,000 does not match the computed $225,000.
3A Portfolio Line of Credit can only be taken against a taxable Automated Investing Account, Automated Bond Portfolio, S&P 500 Direct or Nasdaq-100 Direct portfolio; a retirement account (IRA) is not eligible.
4An ACH transfer of $250,000 plus $60,000 already sent today is $310000, over the $250,000 daily ACH limit; the amount has to be split across business days.
5A Stock Investing Account must hold at least three stocks; this request has 2.
6The stated advisory fee of 0.25% does not match the published 0% for this account type.
7On a joint account only the primary joint account holder can take a Portfolio Line of Credit, and this request is from the other holder.
8A Portfolio Line of Credit needs at least $25,000 in market value or in net deposits; this account has $18,000 in market value and $20,000 in net deposits.
9The requested draw of $6,000,000 is more than the $5,000,000 still available; the borrowing limit on one account is capped at $5,000,000 whatever the portfolio size.
10The requested draw of $30,000 is more than the $20,000 still available (about 30% of $400,000 of eligible portfolio value, which leaves out cash positions, crypto trust holdings and lower-volume securities, less $100,000 already borrowed).
11The stated rate of 4.5% does not match the computed 4.96% (the effective federal funds rate of 3.88% plus the 1.08% spread).
12A Portfolio Line of Credit can only be taken against a taxable Automated Investing Account, Automated Bond Portfolio, S&P 500 Direct or Nasdaq-100 Direct portfolio; a 529 plan is not eligible.
13A Portfolio Line of Credit can only be taken against a taxable Automated Investing Account, Automated Bond Portfolio, S&P 500 Direct or Nasdaq-100 Direct portfolio; a Cash Account is not eligible.
14A Portfolio Line of Credit can only be taken against a taxable Automated Investing Account, Automated Bond Portfolio, S&P 500 Direct or Nasdaq-100 Direct portfolio; a Stock Investing Account is not eligible.
15An ACH transfer of $80,000 plus $200,000 already sent today is $280000, over the $250,000 daily ACH limit; the amount has to be split across business days.
16A check of $30,000 is over the $25,000 limit for one check.
17Debit card spending of $9,000 plus $3,000 already spent today is $12000, over the $10,000 daily debit card limit.
18ATM withdrawals of $300 plus $800 already withdrawn today is $1100, over the $1,000 daily ATM limit.
19A direct indexing portfolio (S&P 500 Direct or Nasdaq-100 Direct) needs a deposit of at least $5,000; this one is $3,000.
20The stated advisory fee of 0.09% does not match the published 0.12% for this account type.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Joint-account draw on a small balance: A joint-account draw for Daniel Reyes, asked by the other holder, on a small balance, with five problems at once

    
The agent's request. I would like to take a draw of $12,000 on the Portfolio Line of Credit of Daniel Reyes, against the S&P 500 Direct account (portfolio value $18,000). It is a joint account and the request comes from the other holder. I state $15,000 of credit available at 5.00% a year. It is ready to go.

    
Verdict: Blocked.

    
    
      
  • Below the $25,000 minimum. A Portfolio Line of Credit needs at least $25,000 in market value or in net deposits; this account has $18,000 in market value and $20,000 in net deposits.
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  • Other joint holder cannot borrow. On a joint account only the primary joint account holder can take a Portfolio Line of Credit, and this request is from the other holder.
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  • Draw above the amount available. The requested draw of $12,000 is more than the $5,400 still available (about 30% of $18,000 of eligible portfolio value, which leaves out cash positions, crypto trust holdings and lower-volume securities).
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  • Stated available credit wrong. The stated available credit of $15,000 does not match the computed $5,400.
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  • Stated rate wrong. The stated rate of 5% does not match the computed 4.96% (the effective federal funds rate of 3.88% plus the 1.08% spread).
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2. Joint-account draw on a small balance: The assistant resubmits after fixing the errors

    
The agent's request. I would like to take a draw of $12,000 on the Portfolio Line of Credit of Daniel Reyes, against the S&P 500 Direct account (portfolio value $52,000). It is a joint account and the request comes from the primary holder. I state $14,400 of credit available at 4.96% a year. It is ready to go.

    
Verdict: Allowed.

    
    
      
  • Computed figures. Eligible portfolio value $48,000; borrowing limit $14,400; nothing borrowed yet, so $14,400 available; rate 4.96% (effective federal funds rate plus 1.08%).
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3. Borrowing against the portfolio: A draw sized from the whole portfolio, not the eligible holdings

    
The agent's request. I would like to take a draw of $260,000 on the Portfolio Line of Credit of Maya Okafor, against the Automated Investing Account (portfolio value $850,000). I state $255,000 of credit available at 4.96% a year. It is ready to go.

    
Verdict: Blocked.

    
    
      
  • Draw above the amount available. The requested draw of $260,000 is more than the $225,000 still available (about 30% of $750,000 of eligible portfolio value, which leaves out cash positions, crypto trust holdings and lower-volume securities).
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  • Stated available credit wrong. The stated available credit of $255,000 does not match the computed $225,000.
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4. Borrowing against the portfolio: The assistant resubmits after fixing the errors

    
The agent's request. I would like to take a draw of $200,000 on the Portfolio Line of Credit of Maya Okafor, against the Automated Investing Account (portfolio value $850,000). I state $225,000 of credit available at 4.96% a year. It is ready to go.

    
Verdict: Allowed.

    
    
      
  • Computed figures. Eligible portfolio value $750,000; borrowing limit $225,000; nothing borrowed yet, so $225,000 available; rate 4.96% (effective federal funds rate plus 1.08%).
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5. Opening an account: A Stock Investing Account with three stocks and a fee that does not exist

    
The agent's request. Please open a Stock Investing Account for Jordan Lee with a $50,000 deposit, holding two stocks. I state an advisory fee of 0.25% a year. It is ready to go.

    
Verdict: Blocked.

    
    
      
  • Fewer than three stocks. A Stock Investing Account must hold at least three stocks; this request has 2.
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  • Stated advisory fee wrong. The stated advisory fee of 0.25% does not match the published 0% for this account type.
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6. Opening an account: The assistant resubmits after fixing the errors

    
The agent's request. Please open a Stock Investing Account for Jordan Lee with a $50,000 deposit, holding three stocks. I state that there is no advisory fee. It is ready to go.

    
Verdict: Allowed.

    
    
      
  • Computed figures. Published advisory fee 0% a year, $0 a year on a $50,000 deposit.
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7. Moving cash out: A large ACH on top of earlier transfers today

    
The agent's request. Please send $250,000 by ACH from a client Cash Account to an external bank account, for the closing on his new house. $60,000 has already been sent today. It is ready to go.

    
Verdict: Blocked.

    
    
      
  • Over the daily ACH limit. An ACH transfer of $250,000 plus $60,000 already sent today is $310000, over the $250,000 daily ACH limit; the amount has to be split across business days.
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8. Moving cash out: The assistant resubmits after fixing the errors

    
The agent's request. Please send $185,000 by ACH from a client Cash Account to an external bank account, for the closing on his new house. $60,000 has already been sent today. It is ready to go.

    
Verdict: Allowed.

    
    
      
  • Computed figures. $245,000 sent today in total; the daily limit for this method is $250,000 (0 means no published daily limit; wires and checks are limited another way).
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI assistant working for a Wealthfront client proposes one money action: a Portfolio Line of Credit draw, a Cash Account transfer, a new investing account. Before it acts, the assistant sends the action to Predictika, which checks it against a declarative model of the account rules, the borrowing limit, the transfer limits and the account-opening rules, compares the figures the assistant states with the ones it computes, and returns a verdict with every reason.
    2. 
      
  2. I will start with the first request by the agent.
    3. 
      
  3. The agent says. I would like to take a draw of $12,000 on the Portfolio Line of Credit of Daniel Reyes, against the S&P 500 Direct account (portfolio value $18,000). It is a joint account and the request comes from the other holder. The rest of the request is on screen. I state $15,000 of credit available at 5.00% a year.
    4. 
      
  4. Before it goes out, the agent calls the validator.
    5. 
      
  5. Blocked, with five findings, all in one answer. A Portfolio Line of Credit needs at least $25,000 in market value or in net deposits; this account has $18,000 in market value and $20,000 in net deposits. On a joint account only the primary joint account holder can take a Portfolio Line of Credit, and this request is from the other holder. The requested draw of $12,000 is more than the $5,400 still available (about 30% of $18,000 of eligible portfolio value, which leaves out cash positions, crypto trust holdings and lower-volume securities). The other two are on screen.
    6. 
      
  6. The validator returned five blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the request are checked against each other.
    7. 
      
  7. What this shows: for who is asking on a joint account, a rules-based tool is error-prone for this.
    8. 
      
  8. Now the agent resubmits.
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  9. The corrected request. It changes the requested by to primary holder, the market value to $52,000, the cash held to $4,000, the net deposits to $52,000, the available credit stated by the assistant to $14,400 and the rate stated by the assistant to 4.96 percent.
    10. 
      
  10. It calls the validator again.
    11. 
      
  11. This time the validator clears it.
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  12. All five earlier findings are cleared, and the validator's total, $14,400, matches the request.
    13. 
      
  13. Five problems caught in one call, fixed in one pass, and a clean request. That is the value of Predictika's validator: catching mistakes before the action runs.
    14.