TAIA.

Apple-first · Swiss regulatory reading

A clearer basis.
Within reach.

One regulatory question, in thirty seconds, in your pocket — with who wrote it, what was known that day, and the path anyone can reopen. Folio does not sell you the answer. It shows you what an answer rests on, and where it stops.

Choose a lens — the phone answers.

Questions? Write to info@taia.ch · Support

FINMA · RS 2026/1

Folio

Who produced this, and with what authority.

Publisher FINMA · Swiss Financial Market Supervisory Authority
Normative class binding_rule Not industry practice, not commentary.
Jurisdiction Switzerland An EU source answering the same question is a different source.

What was known on the day.

Published 14.01.2026
In force 01.07.2026 A decision taken in March was not wrong; it was earlier.
Catalogue 375 documents, each carrying its own date

The path stays open to inspection.

Receipt 7 checks executed · 1 unavailable An unavailable check is part of the answer, not a gap.
Excerpt Verbatim, digest verified
Passage selection The model chose. It wrote no word.

No answer is also an answer.

Result Below the coverage threshold Folio did not answer, and says why.
Searched “Vermögensverwalter” · “Art. 2(3)” · “Schwelle”
Not found No binding source settles this scope question

A rule moves. Somebody will ask what it means for your work.

The honest answer has a shape — and most of it is not the answer.

What an answer carries

Eight layers, every time.

Folio's response contract is fixed. A short answer without its basis is not a shorter answer; it is a different product. Scroll, and the screen stays while the contract passes it — the layer you are reading is the one marked on the phone.

Response

Contract v1

The threshold moves to CHF 15 000.

  1. 01The direct answer
  2. 02Applicability · one scope question open
  3. 03Operational impact
  4. 04Regulation → obligation → control → evidence
  5. 05Consequences, separated
  6. 06Sources, dates, one conflict kept
  7. 07Receipt · 7 executed, 1 unavailable
  8. 08The human decision boundary
  1. 01The direct answer.First, and never alone.
  2. 02Applicability, and the scope questions that stay open.What this source does not settle is said, not smoothed.
  3. 03Operational impact.What has to change in the work, if anything.
  4. 04Regulation to obligation to process to control to evidence.The chain, in the order a reviewer walks it.
  5. 05Consequences, separated.Statutory, supervisory and operational are different questions.
  6. 06Sources, authority, dates, conflicts and missing evidence.A conflict is kept, not averaged away.
  7. 07A claim-level receipt, including what could not be executed.An unavailable check is part of the answer.
  8. 08The accountable human decision boundary.Folio prepares. You decide, and the record says so.

Eight layers, and the last one is a person.

Folio's work ends where the decision begins. The contract is what makes that boundary legible instead of implied — and what makes the eighth layer a line somebody signs, rather than a disclaimer at the bottom of a screen.

Two separate lanes

One reads the rule. One explains TAIA.

They never borrow each other's authority, and the app never pretends the second one is the first. Different sources, different guarantees, both labelled on screen.

Lane 01 · Reading

It selects. It does not write.

Public sources — FINMA, Fedlex, EU material — quoted verbatim with their authority, their dates and their conflicts kept visible. The model chooses which passage answers you; not one word of the answer is generated.

Chosen, quoted, digest verified — nothing written

Public material only.

Lane 02 · The TAIA Digital Advisor

It speaks TAIA, from TAIA's own documents.

A separate conversation about TAIA's ideas and mechanisms, answered on three floors — plain, then the ground it stands on, then how it is built. Every sentence rests on a passage you can see; an unsupported one is reported, not hidden.

  1. PlainStart here — the answer in ordinary words.
  2. GroundWhy TAIA holds that position at all.
  3. BuiltWhich mechanism carries it, and where.

A fictional AI persona — not a human, not a licensed adviser

Meet the TAIA Digital Advisor on taia.ch

The boundary

What Folio does not take, and does not do.

It does not take your institution's files

Internal policy, committee material and team interpretation belong to Atelier, with an explicit handoff. Client, transaction and decision records are never accepted here.

It prepares; it does not decide

Not a legal adviser, not a regulatory approval, not an autonomous decision maker. The authorised human owns the decision and the record says so.

It shows its own red

Retrieval and answer quality remain independently unvalidated. Where an answer is partial, Folio names the missing part rather than closing the gap with fluent prose.

AnsweredNamed as missing

The line is drawn by what actually ran, not by what would look finished.

In build · nothing to download yet

Where it stands

Coming soon.
Described honestly until then.

Folio is in build. This page carries no download, no waiting list and no release date — when there is something to open, it will be here.

Request access The TAIA Digital Advisor, on taia.ch Return to TAIA Support, and closing an account