Profiling

Build a structured, explainable investor profile from questions and conversation.

Profiling builds a living investor profile for each customer. It combines structured questions with natural conversation and existing customer data, then turns those inputs into a consistent, explainable profile you can use for suitability, personalization, and strategy generation.

Profiling is the one product that sits outside Clarity. It reads the customer rather than the market. It runs on its own, and it feeds the products that combine customer context with market evidence: investment proposals and market signals & monitoring.

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Inputs

Profiling can collect and combine several kinds of input:

• Structured questions: goals, time horizon, financial situation, experience, and risk tolerance.

• Conversational input: free-form text or voice, so customers can explain their situation in their own words.

• Existing customer data: pre-filled from your KYC, onboarding, or CRM systems to reduce friction.

• Behavioral signals: interaction patterns and engagement gathered during the conversation.

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Profiling flows

Profiling is built around configurable flows. Each flow defines how information is collected and which questions are asked, for a given context or customer segment. Two common shapes:

	Basic introduction	Advanced conversation
Purpose	Capture essentials quickly	Explore goals and risk in depth
Questions	3–5	20–30
Format	Questionnaire	AI-led conversation
Used for	Onboarding, first-time users	Engaged users, re-profiling

You configure flows with a question matrix, a structured table describing what's asked, why it's asked, and how each answer maps to the profile. Defining the context of a question helps the agent interpret answers, and defining output options keeps results comparable and supports regulatory review. The agent records the reasoning behind each scored answer, so a profile can always be explained later.

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The investor profile

Profiling produces a profile on six axes:

• Risk tolerance

• Investment knowledge

• Experience

• Time horizon

• Financial resilience

• Engagement

Each axis is scored on a standardized scale, so profiles are easy to compare and reuse. How each axis is computed is configurable per flow. A basic flow maps answers directly, while an advanced flow blends self-assessment with derived signals.

For example, a basic flow might map a self-reported time horizon directly (short = 1, mid = 2, long = 3), while an advanced flow averages that self-assessment against an age-derived "should" value. The exact formulas, weights, and thresholds are configured per organization in the admin panel. The structure stays the same so profiles remain comparable.

Every value is traceable back to its inputs: scores can be explained in plain language, axes are auditable, and profile changes are versioned over time.

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Interests and convictions

Beyond suitability, profiling captures what a customer wants exposure to and how they see the world.

Interests are predefined themes, exclusions, or focus areas a customer selects: AI & automation, climate tech, emerging markets, or value-based exclusions like "no weapons". They map directly to product-universe filters: they shape which instruments are eligible, adjust thematic exposure, and inform what market signals & monitoring surfaces.

Convictions are forward-looking beliefs expressed in natural language about how a customer thinks markets, technologies, or regions will evolve. They can be AI-suggested or customer-written, vary in strength, and are revisable over time. Convictions tilt allocation emphasis within eligible investments and shape how investment proposals explain their reasoning.

An AI-proposed conviction based on a customer's profile and conversation.

Admins control both: define the interest taxonomy and conviction categories, map them to product filters and tilting rules, set hard vs. soft constraints, and add compliance guardrails (for example, convictions can never override a suitability constraint).

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Output

Profiling produces two paired outputs:

• A written summary: the customer's investment mindset, strengths, and constraints across the six axes, in plain, confidence-building language.

• A spider chart: the six axes plotted on a standardized scale, giving an at-a-glance sense of balance and trade-offs.

The chart shows what the profile looks like, and the summary explains why. Both can be shown in-app, embedded in dashboards, generated on demand, or included in reports.

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Compliance

Profiling is designed for regulated environments. It supports MiFID II suitability and appropriateness requirements, GDPR-compliant data handling and consent, and EU AI Act transparency principles. Inputs, calculations, and outputs are logged, profiles are versioned, and any score can be explained in plain language. You define consent, data-minimization, and retention rules. Motif provides the tooling and the audit trail.

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Tone and character

You can tailor how the agent communicates (professional, friendly, or educational) and define its character: name, persona, proactivity, and questioning style. Tone applies consistently across basic and advanced flows, text and voice, and the written summaries, while the underlying profiling logic stays the same.

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Configure in the admin panel

Under Settings → Agents → Profiling, your team manages:

Area	What you configure
Questions	The live question bank shown to customers, per tier
Calculations	How answers map into profile attributes and the six axes
Agent	The AI-written investor summary
Progression	The order of tiers, and whether KYC is a final step

Profiling supports tiers: Basic, Advanced, MIFID, Conviction, and an optional KYC step. Only tiers with active questions appear to customers, and changes apply to new sessions immediately.

Questionnaire sessions

Each questionnaire is a shareable session with its own tokenized URL, opened in Motif's public questionnaire app (questionnaire.motifapp.ai). Sessions inherit your organization's live questions, languages, scoring, and summary configuration, so an externally shared flow uses the same logic as everything else. Completed submissions store the answers, spider chart, and summary for review and feed back into the customer's profile.

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Integrate with the SDK

Run profiling from your backend against the questions you configured:

const userClient = motif.forUser(user.id)

const questions = await userClient.profile.getQuestions({ type: 'Basic' })
for (const question of questions) {
  await userClient.profile.saveAnswer({ questionId: question.id, answer: answerFor(question) })
}

const profile = await userClient.profile.computeInvestorProfile()

See the SDK reference for the full profile surface.

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Related

• Investment proposals: turn the profile into a strategy

• Market signals & monitoring: use the profile to personalize what's surfaced