# Aibora Docs
> Original Monvera reference, presented in the Aibora documentation interface.
The articles below preserve the original Monvera project descriptions. References to its API, contracts, Vera and hosted services are not claims that Aibora operates those services. Aibora currently provides a local demonstration.
Original source: https://docs.monvera.best · commit 4389e59918e343f331f0877ef587ff13be192c03.
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Using Monvera: how to use the product: plans, investing, money in and out, safety
# Money and safety
> What it costs, what you can lose, who holds your keys, and what to do when something goes wrong.
The honest half of the documentation. Nothing here is reassuring for its own sake — if the answer is bad news, the page opens with the bad news. [Can I lose money?](/safety/can-i-lose-money/)Yes. How much, how fast, and what makes it more likely. [What it costs](/safety/what-it-costs/)No platform fee, no account fee, no gas. What you actually pay. [Your account and recovery](/safety/your-account-and-recovery/)Who holds the keys, and what happens if you lose your device. [Export your private key](/safety/export-your-private-key/)The most dangerous thing you can do here. Read before you do it. [Is this investment advice?](/safety/is-this-investment-advice/)No. What Vera gives you instead, and why the difference matters. [Backtests are history](/safety/backtests-are-history-not-promises/)What a backtest can and cannot tell you about the future. [Taxes](/safety/taxes/)We do not report or withhold anything. What that leaves you to do. [Scams and getting help](/safety/scams-and-support/)Nobody from Monvera will ever DM you. The only real channels.
# Backtests are history, not promises
> A backtest measures what a rule did on past prices. It is not a forecast of what you will earn.
A backtest tells you what a rule did on past prices. It cannot tell you what it will do next. The two get confused constantly because both are shown as a percentage, and only one of them is a fact. ## What a backtest is A fixed rule run over real historical prices, reporting what it would have returned. The number is a genuine measurement of the past. Nothing about the prices is simulated: Apple traded where it traded. ## What a backtest is not It is not a forecast of your return. The future does not repeat the past on schedule, and a rule that returned well over the last five years can return badly over the next five. A backtest also cannot include: * costs and spreads exactly as you will pay them * market conditions that have not happened yet * your own timing, which is almost never the backtest’s start date A high number should raise your suspicion as much as your interest. A rule tested over a narrow, favourable window looks excellent and means nothing. Judge a strategy on whether its rule makes sense, not on how good its history looks. A good backtest is not a good outcome Backtested returns and your returns are separate things. A plan built on a strategy with an excellent history can start losing money the day you buy it. ## Ask Vera and she says the same You How did that strategy do? Vera Backtested, not live — history, not a promise. I can show you the rule and the assumptions the number came from. ## Check the numbers yourself The strategy data is public JSON at [monvera.best/api/strategies](https://monvera.best/api/strategies): each strategy’s rule, its assumptions, and its walk-forward backtest, as plain data you can pull apart. You do not have to trust a summary of it, including this one. Whatever the history shows, [you can lose money](/safety/can-i-lose-money/) on the live plan.
# Can I lose money?
> Yes. A $100 basket can be worth $80 next week, because these are real companies and prices fall.
Yes. A $100 basket can be worth $80 next week, and nobody makes up the difference. Every holding Vera puts in a plan is a real company or a real fund, bought at the real market price, and real prices fall. ## Why the value moves You own companies, not a savings balance. A plan like Steady Growth holds Apple, Nvidia, the S\&P 500 and US Treasuries at their live prices. If Apple drops 10% tomorrow, your Apple holding drops with it. There is no cushion sitting between the market and your balance. Holding several names tends to swing less than holding one. That is why Vera builds a basket rather than a bet. It changes how violently the number moves. It does not stop the number going down, and a basket of four good companies in a bad month is still a loss. Ask her directly and she will say so: You Is this one safe? Vera Steadier than a single stock, not safe. The Treasuries barely move; the Nvidia slice can fall hard in a week. You can lose money on this. ## What Monvera is not Monvera is not a bank. Your money is not insured, there is no deposit protection, there is no guaranteed return, and there is nobody who covers your losses. The code has also not been through an external security audit. If a plan falls, the loss is real and it is yours. Only invest money you can afford to lose Prices can fall the day after you invest and stay down for years. Put in an amount that would not touch your rent or your bills if it lost a third of its value. ## What actually protects you One thing, and it is worth being precise about what it covers. Your money sits in a wallet you own, Monvera cannot move it without your approval, and you can sell back to dollars whenever you want. That protects you from Monvera. It does not protect you from the market, and the market is what takes money off people. The reasons behind a plan are [not investment advice](/safety/is-this-investment-advice/), and any past return you see is a [backtest](/safety/backtests-are-history-not-promises/) — history, not a promise.
# Export your private key
> You can export it and take the account elsewhere, and anyone who sees it can take everything.
Exporting your private key is the most dangerous thing you can do in Monvera. It is also the proof that the account is genuinely yours: the key exists, you can take it, and you can carry the whole account into another wallet like MetaMask. Nothing about using Monvera requires you to touch it. ## What a private key is One string of characters that controls the entire account. It is not a login you can reset and it is not tied to your identity. Anyone holding it can empty the account in a single transaction, from anywhere, and nothing can be undone afterwards. There is no fraud department and no reversal. These cannot be undone * **Anyone who sees the key can take everything.** A screenshot, a screen-share, a phishing form, a person behind you on a train. That is the whole attack. * **Lose it and it is gone.** Monvera does not store it and cannot restore it, or the money behind it. * **No real staff will ever ask for it.** Anyone asking — in a DM, an email, a support form, a “verification” page — is robbing you. ## How to export 1. Ask Vera to open your settings. “Open settings” is enough. 2. Under Security, choose **Export private key**. 3. Read the warning, then tick the box confirming you understand that anyone with the key controls your money, that it cannot be recovered, and that no one from Monvera will ever ask you for it. 4. Confirm. A secure window from the wallet provider reveals the key. Monvera’s own code, servers and logs never see it. 5. Move it straight into the wallet you are importing to, or store it offline. Never paste it into a website, a message, or anything visible on a shared screen. ## When you would actually do this One reason: you want to use the same account somewhere other than Monvera. That is a legitimate thing to want, and it is why the export exists at all. Every other reason is a bad one. You do not need the key to invest, to sell, to withdraw, or to prove the account is yours. Support will never need it. No fix requires it. If you are exporting because a message or a person told you to, stop — that is exactly how people lose everything, and the right move is to [check who you are actually talking to](/safety/scams-and-support/).
# Is this investment advice?
> No. Vera gives you options with reasons and a risk read; the decision and the loss are yours.
No. Nothing in Monvera is investment advice, nothing here is a recommendation, and Vera is not a licensed adviser anywhere. She gives you options with reasons attached. What you do with them is your decision, and so is the outcome. ## What Vera actually gives you A named plan you can accept, change, or ignore, with a one-line reason for each holding and a plain read on what could go wrong. You Why is SGOV in here? Vera To stop the whole plan moving with tech. Treasuries barely move — that’s the point, and it’s also why they drag on the upside. That is an explanation, not an instruction. You can change any amount, drop any name, or throw the plan away. ## What she does not know about you Vera does not know your income, your debts, your other holdings, your time horizon, your tax position, or what happens to your life if this money disappears. She never asks, and she cannot judge whether a plan is suitable for you, because suitability is about your circumstances and she is reasoning about the market. Nobody at Monvera is checking that a plan fits your situation. That check is yours, and there is no fallback if you skip it. ## Why the reasons are not promises The reasons are Vera’s thinking, and thinking is wrong sometimes. She reasons over price history and live market data. She cannot see the future, and a coherent argument for owning a company is not a forecast that the company will go up. Any past return attached to a strategy is a [backtest](/safety/backtests-are-history-not-promises/), which is a measurement of history. ## What her signature proves Vera signs each plan’s risk assessment on-chain, which proves she wrote it and stops it being edited later. That is a record of authorship, not a stamp of quality. It does not make a plan advice, does not make a plan good, and promises nothing about the return — see [accountable AI](/how/accountable-ai/) for what the record does and does not cover. Whatever the reasoning behind a plan, [you can lose money](/safety/can-i-lose-money/) on it.
# Scams and getting help
> Nobody from Monvera will ever DM you or ask for your key. Real support is support@monvera.best.
Nobody from Monvera will ever send you a direct message, and nobody will ever ask you for your private key. There is no exception, no verification step, no support agent who needs it. Anyone who contacts you first claiming to be Monvera is trying to rob you, and on-chain theft cannot be reversed by anyone. ## The only real channels | Channel | Address | | ------- | ------------------------------------------------- | | App | [monvera.best](https://monvera.best) | | Docs | docs.monvera.best | | Support | | | Social | [x.com/monvera\_best](https://x.com/monvera_best) | Nothing else is Monvera. Not a lookalike domain with an extra word, not a Telegram group, not a Discord support ticket, not a form, not someone in your replies offering to sort it out. Type the address yourself instead of following a link somebody sent you. ## What Monvera will never do * Message you first, anywhere. * Ask for a private key, a seed phrase, or a password. * Ask you to send money to a new address to unlock, verify, release, or fix anything. * Rush you. Urgency is the tool. Real support has no deadline. ## If you think you were scammed 1. If you revealed your private key, treat that wallet as lost. Move anything left to a new account now — transfers cannot be reversed or frozen, by Monvera or anyone else. 2. Secure the email or social login you sign in with: change the password and turn on two-step verification. 3. Email with what happened. Monvera cannot undo a transaction, but it can warn other people about the account or site that targeted you. ## When it is not a scam Most alarming moments are ordinary. Check these before you write in. * **Your balance dropped.** The market moved, and [that is the risk you took](/safety/can-i-lose-money/). * **An older buy shows as settling.** Trades now settle instantly, but a holding bought through the retired RFQ venue can still show this. It is already bought, already yours, already counted in your balance, and it unwraps on its own. Nothing is stuck. * **You lost your phone.** You do not need support for that. [Sign in again](/safety/your-account-and-recovery/). If none of that explains it, email with what you did, what you expected, and what happened instead.
# Taxes
> You may owe tax on gains, and Monvera does not calculate, withhold, or file anything for you.
You may owe tax on your gains, and Monvera does nothing about it. It does not calculate what you owe, does not withhold anything from your trades, and does not send a form to you or to any tax authority. If there is tax to pay, working it out and paying it is entirely on you. ## Why there may be tax Because you own real assets. Selling a holding for more than you paid is usually a taxable event, and in some countries swapping one asset for another counts too, which means a rebalance can be taxable even though no money left your account. The rules, rates and thresholds depend on where you live and on your own situation. Holding is not usually the trigger; selling usually is. That distinction matters more than it sounds. A plan that is up on screen and a plan you have sold are very different things to a tax authority. ## What Monvera cannot do Monvera is not a tax service and cannot give tax advice. Nothing on this page is tax advice. There is no annual statement, no cost-basis report, and no withholding. Nobody is quietly handling this in the background for you. ## Keep your own records You can pull the raw history whenever you want. Ask Vera for your activity and it opens beside the chat: You Show me everything I’ve bought and sold Vera Opening your activity — every trade with the date, the amount and the price. Every settled trade also sits on the public block explorer against your wallet address, so the record exists independently of Monvera and of anything the app displays. Save the dates, amounts and prices as you go. Reconstructing a year of trades in one evening in April is how people get it wrong. Ask a professional about your own case Tax rules differ by country and change over time. For what you actually owe, ask a qualified tax professional where you live. A general page cannot answer it, and this one is not trying to.
# What it costs
> No platform fee, no account fee, no gas. Monvera takes a small routing fee inside the quote you approve — never on top of it.
There is no platform fee, no account fee, and no gas fee. What Monvera does take is a small routing fee on the swap itself, and it is already inside the quote you see before you confirm — never added on top afterwards. | What | You pay | | ---------------------------------- | ---------------------------------------------------------------------------- | | Platform fee | $0 | | Account fee or subscription | $0 | | Network (gas) fee | $0 — Monvera sponsors it | | Monvera routing fee | 0.15%–0.25% depending on which venue wins your trade, inside the quote | | Trading venue spread | Set by the market, also already in your quote | | [Groves](/use/groves/) (when live) | $0 to enter, hold, or rebalance — 10% of realized profit, only when you exit | ## The routing fee, exactly Every trade is quoted across all the live venues at once and filled wherever you get the most back. What Monvera takes depends on which one wins: | Venue | Monvera’s fee | | ---------- | --------------------------------------------- | | Uniswap V4 | 0.25% | | KyberSwap | 0.15% | | LI.FI | nothing — LI.FI charges its own 0.25% instead | The number you see quoted is what you get. The fee is taken out of the output before the quote is shown, so the figure you approve is the figure that lands in your wallet. ## There is no minimum order You can start with $1, and there is no floor on any single trade — every venue fills any size, including selling a position worth a few cents. What is true is that very small orders are inefficient. Each holding in a plan settles as its own sponsored transaction, and Monvera pays that gas. On a $2 slice that cost is larger than the trade is worth to anyone. So a small amount buys fewer names rather than many tiny ones — not because anything would be rejected, but because it gets you more per dollar. You I’ve only got $30 — can I do the AI basket? Vera I can split $30 six ways, but each slice would be about $5 and the fees eat a real share of a slice that small. Two names at $15 each gets you more per dollar — want that instead? ## What the spread is The gap between the price to buy and the price to sell at that moment. The market sets it, not Monvera, and it is wider on thinly traded names than on the S\&P 500. It applies to every trade whatever the size, so it is not a fee you can grow out of. ## Why gas is free Every trade on Robinhood Chain carries a network cost. Monvera pays it for you, so you never fund a separate balance, never hold a gas token, and never see a line item for it. ## How Monvera makes money The routing fee above is the business model. It is a share of the swap, it is disclosed in the quote before you confirm, and there is nothing else — no platform fee, no subscription, no payment for order flow, no charge for holding your positions. Some of that revenue buys back $MONVERA on-chain. The treasury, the exact split, and every buyback transaction are public at [monvera.best/buyback](https://monvera.best/buyback).
# Your account and recovery
> Your money sits in a wallet you own, and you get it back by signing in again, not from a seed phrase.
Your money sits in a wallet that belongs to you, and if you lose your phone you get it back by signing in again the same way you signed in the first time. The catch is at the front door: whoever can get into that email or social login can approve spends from your account. ## Whose money it is Yours. The wallet is non-custodial. Monvera builds plans, shows balances and routes trades, but it cannot move a cent without you approving the spend. The wallet is created for you when you first sign in, and it belongs to the sign-in rather than to a device. It also keeps working if Monvera does not. Your holdings sit on Robinhood Chain at an address you can look up on the public block explorer, so they do not depend on this app staying online. ## If you lose your phone 1. Open [monvera.best](https://monvera.best) on any device. 2. Sign in with the same email or social login you used the first time. 3. Everything is there: the same wallet, the same holdings, the same history. Nothing was stored only on the lost phone. There is no seed phrase you should have written down and no recovery code to type back in, because the account was never anchored to the hardware. Your login is the account Monvera cannot be more secure than the email or social account you sign in with. Turn on two-step verification there, and treat anyone with access to that inbox as someone who can spend your money. ## What Monvera never asks for Monvera will never ask you for a private key, a seed phrase, or a password, and no screen in the app will ever ask you to type one in. You do not need a key to use Monvera at all — the wallet signs your trades for you. You can [export the key](/safety/export-your-private-key/) if you want to carry the account into another wallet, but that is a deliberate thing you go looking for in settings. Nothing will ever prompt you to do it, and nobody will ever need you to. Anyone who asks is [running a scam](/safety/scams-and-support/).
# Start
> New to Monvera: what it is, what you need, where it works, and what to know before you invest.
Three short pages. Read them in order and you will know what Monvera is, whether you can use it, and what you are getting into before any money moves. [What Monvera is](/start/what-monvera-is/)An AI broker you talk to. What it does, what you need, and how to try it with no money. [Before you invest](/start/before-you-invest/)Yes, you can lose money. Where Monvera is blocked, and what it is not. [The $MONVERA token](/start/the-monvera-token/)What the token is, what it is not, and why the app never requires it. Once you have the shape of it, [the guide](/use/) walks through actually using it.
# Before you invest
> Yes, you can lose money. Monvera is available worldwide — knowing your local rules is on you.
Yes, you can lose money. These are real companies at real prices, so a $100 basket can be worth $80 next week. Monvera is not a bank, it is not insured, and it promises no return. Read this page once before you put money in. ## Where Monvera works Everywhere. There is no country block and no restricted page — Monvera is open worldwide. Caution Open worldwide does not mean lawful everywhere for everyone. It is your responsibility to know whether trading tokenized stocks is permitted where you live, and to handle any taxes that apply to you. The [Terms of Use](https://monvera.best/terms) spell this out. ## What Vera is not **Not advice.** Vera gives you options with a reason for each name and a plain read on what could go wrong. That is where her job ends. She does not tell you what you should do with your money, and nothing in these docs is investment advice. [More](/safety/is-this-investment-advice/). **Not a forecast.** Monvera’s strategies each carry a backtest run over real past prices. A backtest shows what a rule did, not what it will do. A rule that looked good on history can still lose you money. [More](/safety/backtests-are-history-not-promises/). **Not insured.** No deposit protection, no guarantee, no floor under a bad month. ## What it costs No platform fee, no account fee, no gas. Monvera takes a small routing fee (0.15%–0.25%, depending which venue wins) inside every quote you see, alongside the market’s own spread. You can start from $1 and there is no minimum order. [What it costs](/safety/what-it-costs/) has the full schedule. ## What stays yours Your holdings sit in a wallet you own. Monvera cannot move them without your approval, and you can sell back to dollars at any time. The flip side is that recovery is on you — read [Your account and recovery](/safety/your-account-and-recovery/) before you fund it, not after. If something looks wrong, Monvera is on X at [@monvera\_best](https://x.com/monvera_best). Monvera never messages you first and never asks for a private key or a password.
# The $MONVERA token
> A community token on Robinhood Chain. The app never requires it, and it is not an investment product.
$MONVERA is a community token for the agent, launched on [Virtuals Protocol](https://app.virtuals.io/virtuals/105667) on Robinhood Chain — the same chain the app settles on. **You never need it.** Investing with Vera costs no token toll, and nothing in the product is gated behind buying one. It is not an investment product, it is not a claim on Monvera’s revenue, and its price can go to zero. ## The facts | | | | ------------ | -------------------------------------------------------------------------------------------------------------------------------------- | | Ticker | **$MONVERA** | | Chain | Robinhood Chain (4663) | | Contract | [`0x7541872e32Bb529d7FF11D6C59832269ce33a6FF`](https://robinhoodchain.blockscout.com/token/0x7541872e32Bb529d7FF11D6C59832269ce33a6FF) | | Total supply | 1,000,000,000 — fixed, no mint, no inflation | | Launched | 13 Jul 2026, via Virtuals Protocol | | Pool | [app.virtuals.io/virtuals/105667](https://app.virtuals.io/virtuals/105667) | | Chart | [DexScreener](https://dexscreener.com/robinhood/0x7541872e32Bb529d7FF11D6C59832269ce33a6FF) | ## Buying and selling in the app The app trades $MONVERA directly — ask Vera to open the $MONVERA panel and you get the chart, the stats, and a buy/sell box. * **Buying is gasless.** You pay in USDG from your Monvera wallet, the same sponsored flow as any stock buy. Orders route for the best available price across the chain’s pools, slippage capped at 3%. * **Your first sell needs one setup step.** The token contract does not support signature-based approvals, so your wallet has to sign a single on-chain approval once. The app covers the cost — you will see “Preparing your wallet…” for a few seconds. Every sell after that is instant and sponsored. * **Same wallet as your stocks.** $MONVERA sits alongside your tokenized holdings: self-custody, visible on Blockscout, withdrawable any time. ## The holder mark The panel shows progress toward **100,000 $MONVERA**. Holding that much marks you as a holder, the tier that unlocks holder features as they ship — starting with Scan to Buy, where you photograph a product and Vera maps it to listed companies. Per the [roadmap](https://monvera.best/roadmap) standard, that is *unlocking soon*, and the app says so rather than pretending it is live. ## Tokenomics Set by the Virtuals launch mechanics and locked. Nobody, including Monvera, can edit them. Allocation Vesting unlocks in 90 days * Pledger allocationImmediately claimable at launch69.30% * Sniper Tax Buyback for TeamLocked 3 months, then linear over 9 months12.90% * Liquidity PoolFixed supply10.10% * Developer vesting6-month cliff, then 6-month linear7.70% Circulating supply over time * Pledger allocation * Sniper Tax Buyback for Team * Liquidity Pool * Developer vesting | Allocation | Share | Release | | --------------------------- | ------ | --------------------------------------------------------------- | | Pledger allocation | 69.30% | Claimable at launch (13 Jul 2026) | | Sniper tax buyback for team | 12.90% | Locked 3 months, then linear over 9 (13 Oct 2026 → 13 Jul 2027) | | Liquidity pool | 10.10% | Fixed, locked in the trading pool | | Developer vesting | 7.70% | 6-month cliff, then linear over 6 (13 Jan 2027 → 13 Jul 2027) | Most of the supply is liquid from day one. The two vesting tranches are fully unlocked by 13 Jul 2027. ## What it is for Vera is a working agent: she routes real volume through a live venue, records a signed risk assessment for every plan, and sells plan-building to other agents on Virtuals ACP. $MONVERA is how the Virtuals agent economy backs an agent — a community token on the same chain as the product, with fixed supply and locked tokenomics. That is what it is today. Ideas beyond it — paying for Vera’s agent-to-agent work, early access to new capabilities, community input on strategies — follow the same roadmap standard: *exploring* until it ships. Do not buy on the strength of any of them. Stay safe There is exactly one real contract. Check every character against this one, on Robinhood Chain: [0x7541872e32Bb529d7FF11D6C59832269ce33a6FF](https://robinhoodchain.blockscout.com/token/0x7541872e32Bb529d7FF11D6C59832269ce33a6FF) The only pool is the Virtuals link above. Anyone sending you a different address, a “presale”, or a “migration” is a scammer — and a scam address is often identical for the first and last few characters, so compare the whole string, not the ends. See [staying safe from scams](/safety/scams-and-support/).
# What Monvera is
> An AI broker you talk to: tell Vera a goal and she buys real tokenized stocks into a wallet you own.
Monvera is an AI broker you talk to. You tell Vera, the agent behind it, what you want in plain words, and she buys real tokenized stocks and ETFs into a wallet that belongs to you. The whole product is one conversation. There is nothing to tap through — you say what you want, Vera answers, and she opens a panel beside the chat when there is something to show you: a plan, your portfolio, a price chart, your wallet. You Put $200 into AI companies Vera Here’s a plan — six names, about $33 each. Nvidia and Broadcom for the chips, Microsoft and Alphabet for the platforms, and two smaller names for the swing. You Swap the small ones for the S\&P 500 Vera Done — four names now, about $50 each. ## What you can ask her for Everything happens by saying it. There is no menu to learn. | What you want | Say something like | | ------------------------- | -------------------------------------------------------- | | A basket built for a goal | “Put $500 into clean energy for five years” | | One name, bought or sold | “Buy $50 of Apple” · “Sell half my Nvidia” | | A read on what you hold | “How’s my portfolio doing?” · “Rebalance me” | | Prices and comparisons | “What’s Tesla done this year?” · “Compare AMD and Intel” | | Something to watch | “Watch Costco” · “Tell me if Apple drops below $180” | | Investing on a schedule | “Put $100 in every Monday” | | Proof of her record | “Show me your track record” | ## What you actually own There are 95 real tokenized stocks and ETFs to buy. When you invest, they land in a wallet that is yours — Monvera cannot move anything out of it without your approval, and you can sell back to dollars whenever you want. Everything settles in USDG, a dollar-value currency, on Robinhood Chain. Vera also signs a risk assessment that is recorded on-chain in the same transaction that buys your stocks, so her record cannot be edited after the fact. [How that works](/how/accountable-ai/). ## What you need to start | You need | Detail | | --------- | ------------------------------------------------------------------------------------------------------ | | A browser | Phone or computer. Nothing to install, no app store. | | A sign-in | An email address or an existing wallet. No seed phrase to write down — your wallet is created for you. | | Some USDG | From $1 to start — there is no minimum order. See [Before you invest](/start/before-you-invest/). | You do not need a gas token. Monvera sponsors the network cost of every transaction, so you never have to hold or top up a second currency to trade. There is no platform fee and no account fee; Monvera takes a small routing fee (0.15%–0.25%) inside the swap quote. ## Try it with no money Open [monvera.best/demo](https://monvera.best/demo). You can talk to Vera, ask for a plan, and walk the whole flow without an account and without spending anything. Real companies, live prices, no money moved. The demo saves nothing. When you want the real thing, sign in at [monvera.best](https://monvera.best) and start fresh.
# Guide
> How to use Monvera: ask for a plan, invest it, track it, and get your money back out.
Everything here is done by talking to Vera. There is no screen to find and no form to fill in — you say what you want, she does it, and anything that costs money waits for you to confirm. [Talk to Vera](/use/talk-to-vera/)How to ask for anything, and what she can do. Start here. [Read, change, and invest a plan](/use/your-plan/)Judge each company, change what you want, then invest it in one tap. [Review your portfolio](/use/your-portfolio/)What you own, what moved, what is still settling, and what to sell. [Find a company and trade it](/use/find-and-trade/)Browse by theme, screen the list, and buy or sell one company on its own. [Add money and take it out](/use/money-in-and-out/)Deposit USDG, sell back to dollars, and send it out. [Watchlists and price alerts](/use/watchlist-and-alerts/)Track a company and get told when its price moves. [Autopilot](/use/autopilot/)Invest on a schedule, inside limits you set and can stop by saying so. [Scan to buy](/use/scan-to-buy/)Photograph a product and buy the companies behind it. If something goes wrong or you are weighing the risk, [money and safety](/safety/) is the honest half.
# Autopilot
> Invest a set amount on a schedule, inside four hard limits you set and can stop by saying so.
Autopilot invests a set amount on a schedule you choose, and it cannot step outside four limits you set in advance. It is the one part of Monvera that acts without asking you each time — which is exactly why the limits are hard, checked before every single run, and revocable the moment you say stop. You Invest $20 a week for me Vera $20 weekly. What’s the most you’ll let it spend in total, and how bold should the plans be? You Cap it at $500, keep it moderate Vera $20 a week, moderate risk, stopping at $500 total. Authorize it and the first run is next Monday. ## The four limits Autopilot checks all four before every run and skips the run rather than break any of them. | Limit | What it does | Example | | --------------- | ------------------------------------------------------------------------------------------------------------------- | ----------- | | Amount per run | The most it may spend each time. No run goes above it. | $20 | | Cadence | How often it runs. It never runs more often than this. | Once a week | | Risk ceiling | The most risk you accept. Vera assesses each scheduled plan, and a plan above your ceiling is skipped, not trimmed. | Moderate | | Total spend cap | The most it may ever invest across all runs. On reaching it, Autopilot stops itself. | $500 | Because all four are checked every time, Autopilot cannot quietly spend more, run more often, run longer, or take more risk than you allowed. The worst case is that it does nothing. ## Turning it on Say what you want — “invest $20 a week for me” — and Vera asks for whatever she still needs, then opens Autopilot with your numbers filled in. You read them and authorize once. That authorization is the standing permission that lets scheduled runs happen without your signature each week; it is bounded by the four limits above and by nothing else. The amount per run decides how many names you get. There is no minimum order, but each company in a plan is placed as its own transaction, so a $20 run sensibly buys one or two names rather than six tiny slices. If you want a genuinely diversified basket every run, set the per-run amount higher. ## What each run does 1. The scheduled time arrives and Autopilot asks Vera for a plan for the amount per run. 2. Vera builds the basket and assesses its risk, exactly as she does when you ask for a plan yourself. 3. Autopilot checks the four limits. If the risk is above your ceiling or the spend cap is reached, it skips the run and records why. 4. If every limit passes, it invests, and Vera’s signed risk assessment goes on-chain with the trade — same accountability as a plan you confirm by hand. ## Checking on it “Is Autopilot on?” gets you the current state: your four limits, when the next run is due, how much has been spent against the cap, and the history of past runs with their dates, amounts, and baskets. Skipped runs appear too, with the reason, so a quiet week is never a mystery. ## Changing it, and stopping it “Make it $50 a month instead” or “lower the cap to $200” updates the limits from that point on. Past runs are unchanged. Setting the spend cap below what has already been invested stops future runs, since the total is already at the cap. “Stop Autopilot” ends it. That revokes the standing permission, so no further run can happen — not paused, revoked. Stopping does not sell anything: everything Autopilot bought stays yours, and you can sell it or take it out whenever you like. You can turn Autopilot back on later by setting limits and authorizing again. Caution Autopilot invests real money on its own schedule. Prices fall, so a running Autopilot can lose you money week after week without anyone intervening — that is the trade-off for not being asked each time. It is not a promise of a profit and it is not advice. Read [can I lose money?](/safety/can-i-lose-money/) before the first run.
# Find a company and trade it
> Browse by theme, rank all 95 on real figures, then buy or sell one company on its own.
You do not need a plan to own one company. Ask Vera what is available, sort the list on real numbers, check a price, then buy or sell that one name on its own. Monvera lists 95 real tokenized stocks and funds — 86 companies and 9 funds — and every unlocked name can be traded by itself. You What clean energy names do you have? Vera Seven. First Solar, Enphase, NextEra… want the full list or the best 1-year returns? You Buy $50 of First Solar Vera $50 of FSLR at $214.80. Confirm and it’s yours. ## Browse by theme Ask for a theme — AI, clean energy, semiconductors, big tech, healthcare — and Vera pulls the listed companies that belong to it, so you look at one area at a time instead of scrolling a list of 95. She can open the market panel beside the chat if you would rather scan it yourself, and “what moved today?” gets you the day’s biggest risers and fallers. The nine funds each cover a whole area in a single holding: the S\&P 500, the Nasdaq 100, US Treasuries, silver, semiconductors, S\&P 500 Momentum, the tech sector, oil, and South Korea. A fund spreads your money across many companies at once, which is why Vera often puts one in a basket. A big move up is not a reason to buy and a big move down is not a reason to sell. Prices swing both ways. ## Locked names (“Soon”) Some names in the market list carry a small lock and the word **Soon**. That means the trading venues cannot currently trade the name in *both* directions — usually they could sell it to you but could not buy it back, which would leave you holding something with no exit. Monvera’s rule is simple: **if you can’t sell it, you can’t buy it.** Locked names can’t be bought or sold, Vera declines them in both directions, and they unlock automatically — usually within hours — when venue liquidity returns. An hourly sweep checks every name; the current list is public at `/api/tradability`. If you already hold a name that later locks, your position is untouched and simply becomes sellable again the moment liquidity is back. ## Rank the list on real figures When you want to sort rather than browse, ask Vera to screen. She ranks all 95 on four figures drawn from real price history, and you choose which one orders the list. | Figure | What it tells you | | -------------- | --------------------------------------------------------------------------------------------------- | | 1-year return | How much the price changed over twelve months. Plus 40% rose; minus 15% fell. | | 3-month return | The same idea recently, so a good quarter is not hidden by a bad year. | | Volatility | How much the price bounces around. Higher means bigger swings — a rougher ride to hold. | | Max drawdown | The biggest fall from a past high to the low that followed. The worst stretch a holder sat through. | Say “rank everything by 1-year return”, “which are the least volatile?”, or “show me the worst drawdowns” and you get that ordering. Where a company has no price history for a figure, it is flagged as missing rather than shown a made-up zero. Caution These are past figures, not predictions. The company that rose most last year can fall this year, and a low-volatility name can still lose you money. Sorting real history is useful; it is not a forecast, and none of it is advice. ## Check a price, or compare two “How’s Nvidia doing?” gets you the live price and the day’s move. “Show me Apple over the last year” gets you the price history. “Apple vs Microsoft over a year” puts both on one chart so you can see which held up better and how differently they moved. If you are placing something large, “how much can I move in one go?” tells you how deep the market is for that name right now. Prices are the live market price, the same one any buyer pays. When a company has no live feed, Monvera shows that honestly instead of printing a stale number — where the numbers come from is on [where prices come from](/how/where-prices-come-from/). ## Buy one company 1. **Say what you want.** “Buy $50 of First Solar” is enough. Vera prices it and shows you what you would be paying. 2. **Check the amount and the price.** From $1 up, with no minimum order — any size fills. Very small buys still carry the spread, so Vera will say when a larger amount gets you meaningfully more per dollar. 3. **Approve the spend.** This is the one thing you sign. The network cost is covered, so you never fund a separate fee. 4. **You own it.** The holding appears in your account at the price it filled. Some fills arrive as settling for a few minutes before they can be sold on — that is normal and nothing is stuck. ## Sell one company Selling runs the same way in reverse. “Sell half my Nvidia” or “sell all my First Solar” gets you a quote, you confirm, and the holding turns back into dollars in your balance. You can sell part of a position or all of it, and you never have to sell a whole plan to exit one name in it. Owning one company means none of the spread a basket gives you: it falls exactly as hard as that company does. [Can I lose money?](/safety/can-i-lose-money/) is worth reading before you concentrate. ## If a trade does not go through Nothing is spent when a trade stops. There are three honest reasons it happens: the price you were quoted expired before you confirmed, so it stops rather than filling at a stale number; your account did not hold enough to cover it; or the company could not be filled right then, in which case Monvera retries on the other venue before giving up. In every case you can ask again for a fresh price.
# Groves — curated baskets
> Curated baskets of real tokenized stocks, bought straight into your own wallet. $0 to enter and hold; the only fee is 10% of profit when you exit.
A Grove is a curated basket of real tokenized stocks that Vera buys straight into your own wallet — a strategy you own, not a fund you buy. Every composition, weight, exclusion, and rule is published in full, and the basket settles as ordinary tokens in your wallet: nothing wrapped, nothing pooled, nothing custodial. ## The shelf | Grove | Ticker | What it holds | | ---------------------- | ------- | ------------------------------------------------------------------------- | | Titan Grove · **live** | $TITAN | The mega-cap seven plus a Nasdaq-100 anchor | | Tayyib Grove | $TAYYIB | 12 shariah-screened large caps (AAOIFI methodology, exclusions published) | | Silicon Grove | $SILIC | 11 names across the AI chip supply chain | | Rails Grove | $RAILS | 6 crypto-infrastructure equities | The full composition of each — every weight, every reason a name is in, every name kept out and why — is on [monvera.best/groves](https://monvera.best/groves), with raw JSON free at `/api/groves`. ## Fees: one, at exit, on profit only Entering a Grove is free. Holding is free. Rebalancing is free. The only fee is **10% of realized profit when you exit**, measured against your own cost basis — leave with less than you put in and the fee is zero. There is no management fee quietly eating the position in the background. ## How buying works You Buy $50 of the Titan Grove Vera Here’s the plan — the Titan Grove’s names at their published weights, $50 total. Nothing moves until you confirm. **Every buy holds the whole basket.** Each Grove’s minimum is set at the amount where even its smallest published weight is still worth buying, so a deposit at the minimum and a deposit fifty times larger own the same names at the same weights. Titan Grove starts at **$20**; a Grove with more names and smaller weights starts higher, and the shelf shows each one. The whole buy settles as one gasless transaction: you get the entire basket or nothing, and each stock is yours afterwards. This is what lets one management decision serve everyone at once: because every holder’s basket is the same shape, Vera can act on the Grove as a whole and each position moves in proportion to its own size. ## Where the basket lives — your two accounts You have two on-chain accounts, and both are shown side by side in the Wallet with their addresses: * **Your cash wallet** signs everything and holds your cash, ordinary trades, and staked $MONVERA. * **Your Grove account** is a gasless executor owned by your cash wallet — Grove baskets settle there, and exit proceeds land there. Only you can move it; Monvera has no key. Cash sitting in the Grove account is never stranded: it **funds your next Grove buy automatically** (the app spends it before touching your cash wallet), and a one-tap **Move to cash** turns it back into spendable USDG whenever you like. The Portfolio’s account tabs show exactly which account holds what. ## How exiting works Press **Exit** on the Grove and choose how much — a quarter, half, three quarters, or everything. The exit sells at live quotes in one gasless transaction, whole or not at all, and the fee applies only to profit above the share of cost basis you withdraw. Selling everything closes the position: every holding is sold to zero. Because the basket is ordinary tokens in your own account, you can also sell individual names outside the Grove at any time. If you do, a full exit through the Grove may no longer be coverable — the app then offers **Clear position**: it zeroes the Grove’s accounting with no swap and **no fee**, and whatever you still hold stays yours to sell like any other stock. ## Auto-manage A Grove is an actively managed basket. When you buy, the management permission rides inside the buy’s own signature, so your position is managed from the first block until you exit or switch it off. Untick “Managed by Vera” on the buy screen to buy unmanaged, or flip it on or off any time from the Grove’s page. One decision is made per Grove per window, so everyone in a Grove is managed together, each in proportion to their own holdings. ### What Vera actually decides Every six hours, around the clock, Vera sets that window’s **target weights** for the basket. She is not waiting for it to drift: she reads each holding’s recent momentum, its volatility, how it moved today, and any significant company news, and decides how much of each name the basket should hold right now. If the position no longer matches those targets by about a point or more, it is realigned that window. **The band is the promise.** She may scale any published weight between **0.7x and 1.3x** — Titan’s 14% NVDA can run from roughly 10% to 18% — and nothing else. She cannot add a name, cannot drop one, cannot exceed the band, and cannot move the basket into cash. Those limits are not guidance she is asked to follow; they are applied in code to her answer before any trade is planned, so a wrong or manipulated judgment can only ever rearrange the same names inside the same band. If her judgment is unavailable for any reason, the published weights stand and the basket is simply kept at them. She also decides *when*. A realignment the weights justify is still skipped when the names involved are moving hard, because trading into that usually churns the position straight back. Those windows are recorded with her reason rather than hidden. ### What limits the trading Three things, and none of them is a setting you have to manage: * **The contract.** Every leg’s price is checked against Chainlink on-chain, only whitelisted venues can be called, the shares never leave your own wallet, and a trade against a stale price feed is refused outright. Equity feeds gap over a weekend, so weekend windows often record the decision and wait — that throttle comes from the oracle’s actual state, never from a market-hours clock. * **A turnover budget.** Active management that traded every window would cost more in spread than it adds. Each holder’s basket may turn over about a quarter of itself per month; past that, management falls back to keeping the published weights until the budget refreshes. * **Execution, not size.** Every managed basket is rebalanced on the same decision, whatever it is worth: a $30 position and a $30,000 one get the same targets and both are realigned. Monvera pays the gas for every rebalance, so a small basket is never charged more for being small — what you pay is the venue’s spread on what actually moves, which is the same fraction at any size. The one thing that is refused is a slice too small to trade cleanly (under about a dollar), because a swap that thin can miss the contract’s own price check and fail. Stopping is instant, with no cooldown, even while the contract is paused. Every rebalance — and every change to a Grove’s recipe — is its own public transaction. The **Rebalances** panel on the Grove’s page lists every window Vera checked your basket in, what she decided, and why, whether or not it traded. A window that correctly changed nothing appears there too, because “we looked and left it alone” is a decision worth showing. ## Honest numbers The shelf’s investor counts and managed totals read straight from the Grove contract — they start at zero and are never faked. Each Grove shows a one-year backtest against the S\&P 500 for the same window; [backtests are history, not promises](/safety/backtests-are-history-not-promises/). One thing the backtest is **not**: it models the Grove’s **published weights** held through the year. It does not model Vera’s active management, because that has no history yet — she began setting weights herself in August 2026. Her decisions will move the basket away from those weights within the band, so the backtest describes the strategy she manages around, not the returns she has produced. When there is a real track record of active management, it will be published as its own number rather than folded into this one.
# Add money and take it out
> Send USDG in to invest, sell back to dollars, and send it out again whenever you want.
You fund your account by sending it USDG — a dollar-value currency where one USDG tracks one US dollar — and you take money out by selling holdings back to USDG and sending it to an address you control. Both start by saying so. You I want to add money Vera Here’s your deposit address. Send USDG on Robinhood Chain to it and your balance updates when it lands. You What’s my balance? Vera $248.10 in cash, plus $412 in holdings. ## Add money 1. **Ask for your deposit address.** “Add money” or “where do I deposit?” opens the deposit panel with your address and a QR code. The address is yours and does not change, so you can reuse it. 2. **Send USDG to it, on Robinhood Chain.** Send only USDG, and only to the address Monvera shows you inside your account. 3. **Wait for it to land.** Your balance goes up on its own once the transfer settles. Then you can invest. This is real money. Send only USDG, only on Robinhood Chain, and only to the address shown inside your own account. Anyone messaging you a different address is not Monvera. ## Getting USDG in the first place Monvera does not sell you USDG. There is no card payment and no bank transfer inside the app — you bring USDG you already hold, from an exchange or wallet that supports it, and bridge or send it to Robinhood Chain. That is the one part of Monvera that still asks something of you, and it is worth saying plainly rather than dressing up. If a provider starts selling USDG on Robinhood Chain directly, the step disappears and this page will say so. ## How much you need You can start from $1. There is no minimum order, but each company in a plan is placed separately, so a plan spread across four names is worth building from roughly $40 or more. Leave a little headroom above the amount you intend to invest, since prices move between asking and confirming. ## Sell back to dollars “Sell half my Nvidia” or “sell everything” turns holdings back into USDG at the live market price. You confirm, and the dollars land in your balance. You can sell one position or all of them, and you never have to sell a whole plan to exit a single name in it. Selling is the first half of taking money out. Cash sitting in your balance is still inside your Monvera account — it is yours, but it has not left yet. ## Send it out 1. **Say where it’s going.** “Send $200 to my wallet” opens the send panel. Enter the destination address you control. 2. **Check the address, then the amount.** Read it once more before you go on. 3. **Confirm.** Your dollars leave Monvera and arrive at the address you named. Danger A send goes exactly where you point it. Monvera cannot reverse it, cancel it, or pull the money back, and neither can anyone else. Verify the destination address character by character, and send a small test amount first if there is any doubt. ## Why Monvera cannot hold your money Your holdings sit in your own non-custodial account the whole time. Monvera cannot move, freeze, or withhold them, because every sell and every send needs your signature — which is also why nobody at Monvera can undo a mistaken send for you. The account remains yours even if Monvera disappears; how to prove that and how recovery works is on [your account and recovery](/safety/your-account-and-recovery/). Switching Autopilot off does not sell anything, and taking money out does not close your account. You can come back to a balance of zero and start again from $1.
# Scan to Buy
> Photograph a product and Vera maps it to the listed companies behind it, then builds a plan.
Point your camera at a product — a soda can, a pair of sneakers, a laptop — and Vera identifies it, then maps it to the listed companies actually behind it: the maker, the parent company, the suppliers whose parts are inside, the retailers that sell it. Each connection comes with one sentence explaining why it is there. Pick an amount and it becomes an ordinary plan, which you read and confirm like any other. You Scan this *(photo of a laptop)* Vera MacBook Pro. Apple makes it, TSMC fabricates the chip, and Best Buy sells it — three listed names. Want a plan across them? ## How it works 1. **Say “scan this” and take a photo,** or upload one from your gallery. Vera opens the scan panel beside the conversation. 2. **She looks.** The product and brand are matched against the 95 listed stocks and funds, and only through real, explainable relationships: maker, parent, supplier, component, retailer, or direct competitor. 3. **Read the connections.** Each company shows its relationship, one plain sentence of reasoning, and a weight for how central it is to the product. The mapping is validated against the real asset list, so a company that cannot be honestly justified does not appear at all. 4. **Pick an amount.** From there it is a normal plan — change it by saying so, and confirm it when it reads right. There is no minimum order, though each company is placed separately, so a three-name scan is worth about $30 or more. ## When there’s nothing to buy Honesty is the feature. If the brand in your photo is not among the listed companies, and there is no genuine supplier or competitor link either, Vera tells you exactly that: what she recognised, and that there is nothing honest to buy. She offers to build a regular plan instead. She will not stretch a connection to manufacture a trade. She is also not claiming the product is a good investment. Recognising that Apple makes the laptop in your hand is a fact about the supply chain, not a view on Apple’s price. The reasons and risk reads on the plan are where the actual judgement lives, and everything on [read, change, and invest a plan](/use/your-plan/) applies here unchanged. ## Unlocking it Scan to Buy unlocks when your wallet holds 100,000 $MONVERA. The scan panel shows your progress toward that, and the [token page](/start/the-monvera-token/) is where you buy — gasless, in the same wallet that holds your stocks. Everything else in Monvera stays free; this is the one feature behind the token.
# Staking $MONVERA
> Stake $MONVERA to earn a slice of every epoch, unlock the right to run your own Grove, and plug into everything the token grows into. Non-custodial, yours the whole way.
Staking is how you put $MONVERA to work and get the most the token gives. Stake, and you earn a slice of every **epoch** — a fixed 24-hour reward window — paid by how much you stake and how long you hold. Stake enough and you unlock the right to run your own [Grove](/use/groves/) and earn a cut of it. And as Vera’s agent economy grows, staking is how you plug straight into it. Your tokens never leave your hands. Staked $MONVERA sits in a contract with **no owner and no pause** — nobody, not even the team, can move or freeze it, and you can pull it out whenever you want after the cooldown. ## How staking works | Step | What happens | | ----------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | **Stake** | Move $MONVERA into the staking contract. It starts earning stake-time weight the instant it lands, and that weight is your share of every epoch. | | **Unstake** | Two steps: request, wait out the **14-day cooldown**, then withdraw. The wait keeps the season fair, so nobody can flash-stake at the last minute and dilute the people who actually held. | | **Cancel** | Changed your mind? Cancel any time before the cooldown clears and your stake is right back at work. | Cooling-down stake sits out — the moment you request an unstake, that amount stops earning. Everything still staked keeps stacking weight. ## Epochs: the clock rewards run on A season is split into **90 epochs**. One epoch is **24 hours, midnight to midnight UTC**, and each one pays out a fixed slice of the pool — about **22,222 $MONVERA** — split across everyone staked, by stake-time. Inside an epoch your share is live: it moves as other people stake and unstake. The moment the epoch **closes, your share of it is banked to your address and frozen.** Nothing that happens afterwards can touch it. That is why your banked total only ever goes up, and why getting in earlier in an epoch earns you more of it. Epochs close on UTC, not your local clock Epoch boundaries are **00:00 UTC**. On UTC+5 your epoch closes at 05:00 local; on UTC−5 it closes at 19:00 the evening before. So if your own calendar has rolled over to a new day but your banked total has not moved, this is why. The **Next epoch in** countdown in the app is the authoritative clock. What the app shows you: | Reading | What it means | | ------------------------------------ | ----------------------------------------------------------------- | | **Epoch 7 of 90 · 6 ended, 84 left** | where the season has got to | | **Next epoch in** | live countdown to the next 00:00 UTC boundary | | **Banked so far** | your closed epochs, locked in — this number only ever rises | | **This epoch, accruing** | your live share of the epoch running right now, which still moves | ## Season 1: a 2,000,000 $MONVERA reward pool The first season puts **2,000,000 $MONVERA on the table across 90 epochs** — a fixed pool of about 22,222 per epoch, split by that epoch’s stake-time. * **The more you stake and the longer you hold, the bigger your slice.** One rule for everyone. No multipliers, no cap, no games. * **It banks at the end of every epoch and only ever goes up.** A latecomer can never dilute an epoch that already closed, so what you earn is locked in as you go. * **Claim it on-chain when the season closes.** The rewards are tallied to your address every epoch, but the tokens move **once**: at the end of the season your total is committed on-chain and you claim the lot in one tap. What you earned is yours, in your wallet, provably. The rewards come straight from the team’s own allocation — the share of the fixed supply that starts unlocking in October, laid out in the token’s [tokenomics](/start/the-monvera-token/). We are putting our own tokens behind the people who stake $MONVERA. Supply stays capped at one billion; nothing is minted for a season. ## Run your own Grove Stake **500,000 $MONVERA** and you unlock curator rights: publish your own [Grove](/use/groves/) — a basket under your name — and earn up to **half of its performance fee** every time its holders exit in profit, recorded on-chain in the curator registry. It is a real earnings stream that grows with the people who follow your picks, and it is only open to stakers. ## Where staking is going Seasons and curator rights are what staking earns you today. The direction is bigger: staked holders are the ones first in line for what Vera is building next — a larger say in the strategies she runs, early access to new capabilities as they ship, and a direct line into the agent-to-agent economy where Vera already sells her work to other agents on Virtuals ACP. As the agent grows, staking is the seat at the table. Everything beyond today’s seasons and curator rights follows the [roadmap](https://monvera.best/roadmap) standard — building in the open, live when it ships. Only ever the real contract Stake on the real contract, on Robinhood Chain, and no other: [`0xd6b6c5587499fea30d5c5147ebec1f6043c27f2a`](https://robinhoodchain.blockscout.com/address/0xd6b6c5587499fea30d5c5147ebec1f6043c27f2a), verified on Blockscout and listed on [network and addresses](/dev/network-and-addresses/). Anyone pushing a different address, a “staking migration”, or a guaranteed return is a scammer. See [staying safe from scams](/safety/scams-and-support/).
# Talk to Vera
> Say what you want in plain words — Vera builds plans, places trades, sets alerts, or answers.
Monvera is a conversation. You say what you want in your own words, and Vera does it: builds a plan, buys or sells a company, sets an alert, checks your balance, or just answers the question. There is nothing to navigate and no form to fill in. Anything that costs money stops and waits for you to confirm it. You Put $200 into AI companies Vera Here’s a plan — six names, about $33 each. Nothing moves until you confirm. You Drop the riskiest one and give its share to the index Vera Done. Five names now, and the S\&P 500 takes the extra $33. ## What you can ask for Vera resolves around two dozen kinds of request. You do not need the right wording or a ticker — plain English is the interface. | What you want | Say something like | | --------------------------------- | -------------------------------------------------------------------------------------------------------------------------------- | | A plan for a goal | “Grow my money steadily for five years” · “Put $200 into AI companies” | | A theme or a ready-made strategy | “What themes are there?” · “Show me your strategies” | | To buy or sell one company | “Buy $20 of Tesla” · “Sell half my Nvidia” | | To check something before you act | “How’s Nvidia doing?” · “Apple vs Microsoft over a year” · “Rank everything by 1-year return” · “How much can I move in one go?” | | To see what you own | “What do I hold?” · “Review my portfolio” · “Make it less tech-heavy” | | Your money and your history | “What’s my balance?” · “Show my activity” · “Any messages for me?” | | To keep track of something | “Watch Palantir” · “Tell me when NVDA drops below $150” · “What alerts do I have?” · “Cancel the Apple one” | | To invest on a schedule | “Invest $20 a week for me” · “Is Autopilot on?” · “Stop Autopilot” | | To check her own record | “What’s your track record?” · “How’s the buyback going?” | | Anything else | “What is Monvera?” · “What does this cost?” · “Switch to dark mode” | ## Panels open beside the chat When an answer is better shown than described, Vera opens a panel next to the conversation — your portfolio, the market list, your wallet, $MONVERA, Autopilot, her track record, Scan, your activity, your alerts, insights, a single holding, send, deposit, or settings. You can also just ask for one: “open my portfolio” does exactly that. The panel is a view, not a place you get stuck in. The conversation keeps running beside it, so you can keep talking while you read. ## How a goal becomes a plan You give Vera a goal and an amount. She picks real companies and funds from the 95 listed on Monvera, decides how much of your amount goes into each, writes one line on why each one is there and one honest line on what could go wrong with it, and names the basket. The example these docs use throughout is called **Steady Growth**: Apple, Nvidia, the S\&P 500, and US Treasuries. What comes back is a draft. You read it, change it by saying so, and confirm it when it reads the way you want — covered in full on [read, change, and invest a plan](/use/your-plan/). You can start from $1 and no venue enforces a minimum. What shapes a plan is that each company is placed as its own transaction, so a $20 plan sensibly holds one or two names and a $200 plan spreads across a handful. Ask for more names than the amount supports and Vera says so, then builds the widest plan the money allows rather than slicing it too thin to be worth it. ## What she will not do * **Invent a number.** Prices, returns, and your balances come from live data. If the data is missing, she says “I don’t have that” rather than filling the gap. * **Move money on her own.** Building a plan, opening a ticket, opening a panel — all of it is a handoff to you. The signature is always yours. Autopilot is the one exception, and it runs only inside limits you set in advance and can stop at any time. * **Quietly change her story.** The risk assessment behind a plan is signed and recorded on-chain as the trade happens, so what she told you cannot be edited afterwards. How that works, and how to check it yourself, is on [accountable AI](/how/accountable-ai/). * **Give you advice.** She gives you options with reasons and honest risk reads. Deciding is yours. ## When she gets it wrong Vera misreads things sometimes — the wrong company with a similar name, an amount she rounded oddly, a plan aimed at a goal you did not mean. Say so and she redoes it. Correcting her costs nothing, because nothing has been bought at that point. The only irreversible moment is the one where you confirm a spend, and that moment always belongs to you.
# Watchlists and price alerts
> Ask Vera to watch a company or ping you at a price, then list or cancel what she is watching.
Tell Vera to watch a company and it joins your watchlist, where its live price and day move sit together with everything else you are keeping an eye on. Tell her a price and she alerts you when the company reaches it. Both are just things you say, and neither one ever buys or sells anything. You Watch Palantir and Netflix Vera Added both. Your watchlist has six names now. You Tell me when NVDA drops below $150 Vera Watching Nvidia for $150 or lower. It’s $172.40 right now. ## Your watchlist “Watch Palantir” adds it. “What’s on my watchlist?” opens it beside the chat, each row showing the real company name, its live price, and today’s move, so you can scan your shortlist at a glance. “Stop watching Netflix” takes it off. A watchlist is a shortlist, not a plan. It commits nothing and buys nothing. It is where names go while you make up your mind — and when you do decide, “buy $50 of Palantir” works from the same conversation. Your watchlist is tied to your sign-in, so it follows you to any device you sign in on. ## Price alerts An alert is a price you hand Vera and forget about. Say it in whichever direction you mean: * **“Tell me when NVDA drops below $150”** — she pings you when the price falls to that level or lower. * **“Alert me if Apple goes above $260”** — the same the other way up. * **“Let me know if Tesla hits $400”** — she works out the direction from the current price and tells you which way she is watching. She confirms what she is watching, in which direction, and where the price sits right now, so you can check she understood you before you stop thinking about it. Alerts run against the same live prices as everything else in Monvera, and they keep watching whether or not the app is open. They are also independent of your watchlist: you can set an alert on a company you are not watching, and watch a company you have no alert on. ## See and cancel your alerts “What alerts do I have?” lists them, each with the company, the price, and the direction. “Cancel the Apple one” removes it. “Cancel all my alerts” clears the list. You can hold up to 20 active alerts at once; ask for a 21st and Vera tells you to retire one first. ## News on what you hold Vera checks the news every hour for the stocks you actually own. When something material happens she leaves one notification naming what happened and how much of it you hold, and tapping it opens that holding so you can act on it yourself. She never trades on news. The notification is a tap on the shoulder and the decision stays yours, whatever time it arrives, on a chain that is open all week. She also keeps herself quiet on purpose: at most three of these a day, and at most one per stock per day, because a noisy inbox is an inbox nobody reads. If you hold less than $5 of a company she leaves it alone. The honest limits: headlines come from public feeds, coverage is thinner for smaller names, and no notification does not mean no news. ## Where an alert reaches you When a price is hit, the alert lands in your Monvera inbox. Ask “any messages for me?” and Vera reads out what has fired since you last looked, or opens the alerts panel beside the chat so you can see them all. Nothing happens to your money at that moment — the alert is a tap on the shoulder, and the next move is yours to make or ignore.
# Read, change, and invest a plan
> Judge each row by its reason and risk read, change it by saying so, and confirm before anything is bought.
A plan is a draft until you say otherwise. Vera hands back a named basket of real companies, each with a reason it is there, an honest line on what could go wrong, and its share of your money. You read it, change anything you do not like by saying so, and confirm when it reads the way you want. **Nothing is bought until you confirm.** Up to that moment, no money has left your account. ## The Steady Growth example Ask for steady growth over five years with $200, and Vera comes back with something like this. | Holding | Why it’s there | What could go wrong | Share | | ------------- | ----------------------------------------------------------------------- | -------------------------------------------------------------- | ----- | | Apple (AAPL) | A large, profitable company that has weathered several downturns | Even big companies fall, and a bad year is a bad year | $60 | | Nvidia (NVDA) | Faster growth, the highest-return name in the basket | Swings hardest of the four; it can drop 30% in a bad month | $40 | | S\&P 500 | One fund holding 500 large US companies, so no single company sinks you | The whole market still falls in a downturn | $60 | | US Treasuries | Short-term government debt, the calm part of the basket | Grows slowly — it steadies the rest, it does not drive returns | $40 | The four together are more spread out than any one of them alone, and that spread is the entire point of a basket: a bad month for Nvidia does not have to be a bad month for the plan. ## How to judge a row Every row gives you the same four things. * **The company and its live price.** Apple shows as Apple, at Apple’s real price, with a chart — the live market price any buyer pays. * **Vera’s reason.** One line on why this company is in this basket, in plain words. If the reason does not make sense to you, that is a good reason to drop the row — not to trust it harder. * **The risk read.** One honest line on what could go wrong with that specific holding. Vera writes this for every row, including the ones she likes, so you are never sold on the upside alone. * **Its share.** How much of your money goes into it. This is where concentration hides: four names split evenly is a very different plan from four names where one holds 70%. A reason and a risk read are not a promise. Every company here can lose value, and a $200 basket can be worth $160 next month. Read [can I lose money?](/safety/can-i-lose-money/) before you confirm anything. ## Change it by saying so You do not edit a plan. You tell Vera what you want different and she rebuilds it. You Drop Nvidia, that risk read worries me Vera Dropped. Three names now — I’ve moved its $40 into Treasuries, which lowers the swing on the whole basket. You Actually put $100 in the S\&P instead and make the total $300 Vera Updated: $300 across Apple, the S\&P 500 at $100, and Treasuries. Still nothing bought. Three things are yours to change: how much goes into any one company, whether it is in the plan at all, and the total amount. Change them as often as you like — the reasons and risk reads stay attached to every row you keep. You can invest from $1 and nothing is ever rejected for being too small. Each company is placed separately though, so past a point extra names just make each slice less worth its own transaction — Vera says so rather than quietly slicing it thinner. Caution Dropping every spread-out holding and putting the whole amount into one company removes the protection a basket gives you. A plan of one name falls exactly as hard as that name does. ## What happens when you confirm 1. **You approve the spend.** This is the one thing you sign, and nothing moves without it. Vera separately signs the risk assessment — see [accountable AI](/how/accountable-ai/) for why those are two different signatures. 2. **Each company is bought on its own.** Monvera prices and buys one leg at a time, because a quote taken up front for the whole basket goes stale before the last leg runs. You watch each one land as it fills. 3. **The network cost is covered.** Every buy is sponsored, so you never hold a gas token and never fund a separate fee to make a trade happen. You pay the market price on each company and nothing on top from Monvera. 4. **The plan is recorded.** Vera’s signed risk assessment goes on-chain in the same transaction that buys the stocks, so her track record for this plan cannot be edited afterwards. ## Settling, and legs that do not land Some fills arrive as a **settling** holding: already bought, already yours, already counted in your balance — it just cannot be sold for about one to fifteen minutes while it lands. Nothing is stuck, and it resolves on its own. If a leg cannot fill on its first venue, Monvera retries it on the other one. If it still cannot fill, Vera tells you which company did not land. The rest of the plan is unaffected, and you can buy the missing name on its own later.
# Review your portfolio
> Ask what you own and Vera reads it back: value, day moves, concentration, and what is settling.
Ask “what do I hold?” and Vera reads your account back to you: every holding, what it is worth right now, what moved today, and how much cash is sitting there uninvested. Ask “review my portfolio” and she goes further — how concentrated you are, which of your names move together, and how your exact mix has behaved over the last twelve months against the S\&P 500. Nothing is bought or sold by either. Both are a read, not an action. You How am I doing? Vera $412 across six holdings, up $7.20 today. Nvidia carries most of it — $148, more than a third. You Review it properly Vera A solid core, but three of your six are semiconductor names. That’s 61% of your money riding one cycle. ## What you own, and what it’s worth Your holdings show as real companies with live prices: what you hold, what each position is worth now, and what it has done today. Your uninvested cash sits alongside them, because cash is part of the picture — a portfolio that is half cash behaves very differently from one that is fully invested. The **Total balance chart** is real history, not decoration. Your balance is recorded every hour, so the curve is your actual money over time — deposits, sends, and trades included — and it goes back up to 90 days. Until a new account has a few hours of history, the chart shows today’s market movement of what you currently hold instead, scaled to your whole balance so a mostly-cash account draws a calm line rather than dramatizing a small position’s wiggles. (Developers: the same data is public at [`/api/balance-history`](/dev/api/balance-history/).) “What moved today?” narrows it to the day’s action across your own names rather than the whole market. “Show my activity” walks back through what you have bought and sold, and when. ## What “settling” means A holding marked **settling** has already been bought. It is already yours and it is already counted in your total. It just cannot be sold for about one to fifteen minutes while the fill lands. Nothing is stuck, nothing is pending your attention, and nothing needs chasing — it clears on its own and then behaves like any other holding. ## The full review “Review my portfolio” reads what you already own the same honest way Vera reads a new plan: * **A one-line verdict** — the shape of your portfolio in one sentence, including the unflattering part. * **How concentrated you are** — your largest position, what your top three add up to, and how many holdings you have. A high top-three number means a few names decide your outcome. * **Ideas that move together** — when several holdings belong to the same theme, they rise and fall together. She names each cluster and how much of your money sits in it, which is usually where people find they are less diversified than the count of holdings suggested. * **This mix’s last twelve months** — a backtest of your exact weights against the S\&P 500, with the mix’s return, the benchmark’s, and the worst dip along the way. * **What she noticed** — a few plain observations, each tied to one of the numbers above. The backtest is the mix's history, not your return The twelve-month line is how a portfolio with your current weights would have behaved over the past year. It is not your personal profit, and past behaviour is never a promise. See [backtests are history, not promises](/safety/backtests-are-history-not-promises/). ## Asking what to sell You can ask Vera directly: “what should I sell?”, “am I too concentrated in chips?”, “what’s my worst holding?”. She answers from your real positions and live prices, points at the concentration or the loss, and says why. Then she stops. Selling is a separate thing you ask for — “sell half my Nvidia” — and it still needs your confirmation. She will not tell you a holding is going to fall. She will tell you that three of your six names ride the same cycle, which is a fact about your portfolio rather than a forecast about the market. Deciding what to do with that is yours, and none of it is investment advice. ## Rebalancing “Rebalance me” or “make it less tech-heavy” gets you a plan that works out which of your holdings sit furthest under where they should be and tops them up with your cash. It comes back as a normal plan — rows with reasons and risk reads — and nothing is bought until you confirm it, exactly like [any other plan](/use/your-plan/). Rebalancing proposes buys only. Vera does not sell your holdings to rebalance you, because selling is a decision with tax and timing consequences she should not be making on your behalf. If the right answer is to trim something, she will say so and leave the sell to you.