汇丰银行的一名前高管推出了一家由人工智能驱动的财富管理初创公司，她将目标锁定在十亿美元的估值上，并押注人工智能能够改变个人管理投资和财务的方式。
A former top executive at HSBC has launched an artificial intelligence-driven wealth management start-up, setting her sights on a billion-dollar valuation and betting that AI can transform how individuals manage their investments and finances.
孙黛（Trista Sun）曾任汇丰国际财富管理及卓越理财业务董事总经理，她在上周的一次采访中表示，她的创业公司Equora旨在利用人工智能代理帮助投资者“主动”管理财务，以满足现有AI工具无法满足的大规模需求。
Trista Sun, formerly a managing director in the international wealth and premier banking division at HSBC, said in an interview last week that her venture Equora aimed to help investors manage their finances “proactively” with AI agents, addressing large-scale needs that existing AI tools fail to meet.
她表示，公司的平台a2b2.ai具有10个人工智能代理，专注于不同的任务，例如追踪产品到期日、检测欺诈交易以及标记影响其投资组合的市场变动。
She said the company’s platform, a2b2.ai, featured 10 AI agents specialising in different tasks, such as tracking product maturity dates, detecting fraudulent transactions and flagging market movements that impacted their portfolios.
这些代理利用了大语言模型（LLMs），包括Anthropic的Claude、OpenAI的ChatGPT、月之暗面的Kimi以及《南华早报》母公司阿里巴巴集团控股的通义千问（Qwen）。
The agents leveraged large language models (LLMs), including Anthropic’s Claude, OpenAI’s ChatGPT, Moonshot AI’s Kimi and Qwen from Alibaba Group Holding, owner of the South China Morning Post.
孙黛补充说，用户可以上传投资组合对账单，而系统在存储数据前会自动清除姓名和账号。
Users could upload portfolio statements, while the system automatically scrubbed names and account numbers before storing the data, Sun added.
曾在汇丰担任过多个高级职位（包括汇丰中国执行副总裁）的孙黛说：“我想在财富和投资领域打造一些非常、非常主动的东西。”
“I wanted to build something very, very proactive, but in the wealth and investment domain,” said Sun, who previously held several senior positions at HSBC, including executive vice-president at HSBC China.
此次推出正值日益复杂的人工智能通用代理浪潮兴起，且各大AI公司正加大向行业特定应用推进的力度。
The launch comes amid a wave of increasingly sophisticated general-purpose AI agents and a growing push by major AI companies into industry-specific applications.
Meta Platforms本月早些时候发布Muse加剧了开发个人人工智能代理的竞争，而Anthropic和OpenAI上个月则推出了基于其最新大语言模型的金融服务产品。不过，孙黛表示，市场中依然存在“巨大差距”和用户摩擦。
Meta Platforms’ release of Muse earlier this month intensified the race to develop personal AI agents, while Anthropic and OpenAI last month unveiled products for financial services built on their latest LLMs. Sun, however, said “significant gaps” and user friction remained in the market.
尼孙黛称，大多数通用人工智能工具缺乏深厚的金融专业知识，且高度依赖用户提示词的质量，而许多金融AI解决方案由于通过分销投资产品赚取佣金，面临着利益冲突。她补充说，她尚未看到a2b2的直接竞争对手。
Most general-purpose AI tools lacked deep financial expertise and relied heavily on the quality of user prompts, while many financial AI solutions faced conflicts of interest because they earned commissions from distributing investment products, Sun said. She added that she had yet to see a direct competitor to a2b2.
孙黛说：“[我们希望该平台]试图为提供服务、站在你这一边，而不是推广或销售东西，也没有任何其他议程。”
“[We want the platform to] try to serve you, be on your side, to not promote or sell things or have any other agenda,” Sun said.
她表示，a2b2提供四个订阅层级，月费从3美元到90美元不等。该公司将主要以香港和美国的“大众富裕”个人及家庭为目标群体，新加坡则为其第三大市场。
She said a2b2 offered four subscription tiers, with monthly fees ranging from US$3 to US$90. The company would primarily target “mass affluent” individuals and households in Hong Kong and the US, with Singapore as its third market.
孙黛在汇丰的其他前职务还包括国际及跨境业务全球主管兼财富管理全球首席运营官，她对这家初创公司抱有很高的期望。
Sun, whose other former roles at HSBC included global head of international and cross-border business and global chief operating officer of wealth management, has set high expectations for the start-up.
据孙黛透露，该平台的目标是在两到三年内服务100万名“活跃”且“具有黏性”的付费用户。
The platform aimed to serve 1 million “active” and “sticky” paying users within two to three years, according to Sun.
在未透露该初创公司的具体估值目标的情况下，孙黛表示，她在整个职业生涯中一直“习惯于管理价值十亿美元的业务”。她补充道：“我习惯了那种规模。”
Without sharing a specific valuation target for the start-up, Sun said she had been “used to managing billion-dollar businesses” throughout her career. “I’m used to that kind of scale,” she added.
孙黛表示，她目前正在自己出资支持该风险企业，但Equora可能会在明年寻求外部资金。
Sun said she was currently funding the venture herself, but Equora could seek external funding next year.