Suitability is asserted every day. It is rarely on the record.
Revela captures how a client actually decides under uncertainty, across five behavioural dimensions rather than a number they report about themselves, then reconciles that read against the portfolio they hold. Only exposures that breach their tolerance are flagged, and every review closes as a dated, sealed record you can reproduce.
Built for wealth managers, their compliance teams, and the networks that run both.
One record, three people who need it.
Strengthen every suitability decision
- Understand a client beyond what a questionnaire can ask
- See where the portfolio and the person have come apart
- Open annual reviews with something specific to discuss
- Leave every file with evidence behind the decision
Move from documentation to evidence
- Dated suitability records, sealed and versioned
- The behavioural rationale behind each recommendation
- Oversight across the book, not file-by-file sampling
- Any figure reconstructable from the inputs that produced it
Deploy one method across every firm you run
- Multi-tenant by design, with isolation enforced in the database
- Each firm keeps its own branding on the client-facing journey
- Licence instruments per firm from a shared engine
- Usage and activity visible across the estate
The question moved from what was asked to what can be shown.
A suitability file built from a questionnaire answers one question well: what the client said on the day. Supervision has moved towards a harder one, which is what the firm understood about the client, whether the portfolio still matches it, and what evidence survives the months in between.
- Ask the client
- Record the answer
- Recommend a portfolio
- Understand the behaviour
- Monitor the alignment
- Evidence the suitability
Consumer Duty
Firms are asked to evidence good outcomes and act to avoid foreseeable harm, not simply to record that advice was given.
Suitability obligations
COBS 9A asks a firm to establish the risk a client is willing and able to take. A self-reported number is one input, not the whole answer.
Evidence-based governance
Oversight increasingly asks what a firm can produce about a decision months later, and how consistently the method was applied.
Revela is an evidence engine for the suitability assessment. The advising firm retains regulatory responsibility for its advice, and nothing here is a statement that a given firm meets its obligations. The compliance page sets out how the methodology maps to COBS 9A in full.
Four steps between a link and a file you can produce.
Behavioural assessment
The client works through short behavioural simulations and a video scenario feed, sent as a single-use link. No account, no password, nothing to install. Scoring runs server-side, so the weights are never exposed to the device and the read cannot be gamed.
Behavioural profile
The sitting resolves into five dimensions. Fortress and Opportunism set risk appetite; Rhythm, Blueprint and Engagement describe how the client invests, not just how much risk they carry. Stated appetite is captured separately and never scores — it is there to be tested against the read.
Portfolio reconciliation
The portfolio the client already holds is inferred onto the same five axes and compared dimension by dimension, across loss exposure, concentration, complexity and commitment. Only an exposure that falls outside that client’s tolerance band is called material, so a review carries signal rather than a flag on everything that differs.
Evidence record
The review closes as a dated record: the profile, the holdings behind it, the material gaps and the decision the adviser took, over their sign-off. It is sealed and versioned, so any figure can be traced back to the inputs that produced it and the file reproduced on request.
The figures above are a worked example, computed by the same engine an adviser’s review runs. Behavioural results are labelled indicative pending validity while the validation programme completes.
The reconciliation is only as honest as the read behind it.
These are the behavioural simulations that take the read. Each one puts a client in a decision they have to resolve under pressure, and measures what they do rather than what they say they would do. Sit them exactly as a client would and watch the raw signal each emits. Nothing is scored or saved; the scoring weights never leave the server, and the read stays indicative, pending validity.
The suitability record becomes the asset.
A questionnaire answer is worth nothing the moment it is filed. A behavioural record is worth more each time it is repeated: the second sitting makes the first a baseline, and drift between them becomes evidence in its own right. A firm that runs Revela for three years holds something no competitor can reconstruct after the fact and no incoming provider can backfill.
Behavioural evidence
The five-axis read, the instruments that produced it, and the engine version that scored it.
Portfolio context
The holdings as they stood on the day, and where they sat against the client’s tolerance bands.
Decision history
Realign, retain with rationale, or re-profile — over the adviser’s sign-off, with the reasoning attached.
Timestamped seal
A SHA-256 seal over the result, so the file can be shown to be the one that was filed.
The advising firm is the data controller for its clients’ records. Every record downloads as a PDF for the client file, and the due-diligence detail is on the compliance page.
Most behavioural tools assert their science. We build the evidence in the open.
Every read is labelled indicative until the data says otherwise, and that data is being gathered now. A live validation programme measures the behavioural read against an established risk-tolerance scale, tests it across known groups, and re-sits respondents to establish reliability. A firm that adopts Revela adopts a method with a documented evidence base, not a black box.
Convergent validity
Measured against the Grable-Lytton risk-tolerance scale, the field standard.
Known-groups
Read differences tested across age, investing experience and financial knowledge.
Test-retest reliability
Respondents re-sit, so the read can be shown stable over time, not noise.
Designed for regulated environments.
The questions a due-diligence review asks are answered in public rather than under NDA. Each item below is documented in full on the trust pages, and a signed data processing agreement is available on request.
Secure data handling
All traffic over TLS. Assessment invitations are single-use tokens stored only as SHA-256 hashes, revocable and reissuable by the adviser. Secrets stay in server configuration and never reach the browser.
Detail →Privacy-first architecture
Clients never create an account or a password, and no camera or microphone access is ever requested. Multi-tenant isolation is enforced with row-level security in the database and firm scoping on every query.
Detail →Human adviser oversight
The engine produces evidence; it does not give advice. An adviser reviews every result, can override it, and signs the decision. Overrides are recorded with who, when and why.
Explainable outputs
No result is a black box. Each dimension shows the client’s tolerance band, where the portfolio sits against it, and whether the gap was measured directly or proxied from the holdings.
Auditability
Every sitting stores its raw inputs, the engine version that scored it, the full output and a seal over the result. The platform audit trail is append-only.
Detail →Revela does not currently hold an external security certification. Where a firm’s due-diligence process requires one, tell us during the demonstration and we will set out where we are.
The record is the product: run the reconciliation behind your firm’s own instruments and branding.
Ask for a walkthrough: a client book, a live sitting, a holdings reconciliation and the sealed record, end to end.