{"id":3202,"date":"2026-08-26T18:13:56","date_gmt":"2026-08-26T18:13:56","guid":{"rendered":"https:\/\/www.vaultinsider.top\/?p=3202"},"modified":"2026-08-26T18:13:56","modified_gmt":"2026-08-26T18:13:56","slug":"a-german-bank-just-let-ai-trade-for-users-claude-beat-humans-76-of-the-time-but-theres-a-catch","status":"publish","type":"post","link":"https:\/\/www.vaultinsider.top\/?p=3202","title":{"rendered":"A German bank just let AI trade for users. Claude beat humans 76% of the time\u2014but there’s a catch"},"content":{"rendered":"

<\/p>\n

Watch out, investors\u2014the AI boom is making its way to you. Scalable Capital is opening its investment platform to AI assistants including ChatGPT, Claude and Grok\u2014giving European investors the ability to analyze portfolios, set up savings plans and place trades through prompts.<\/p>\n

\n

The Munich-based bank told Reuters<\/em> that it is the first bank in Europe to open its platform to major AI assistants. Its new \u201cAgentic Investing\u201d service allows customers to connect their Scalable accounts to supported AI agents through the Model Context Protocol, or MCP. The move puts AI directly into the trading workflow.<\/p>\n

Scalable Capital Chief Product Officer Alexander Siepp told Fortune<\/em> the company sees the integration as a way for investors to begin their financial \u201cclient journey\u201d inside an AI assistant and complete it through Scalable\u2019s regulated banking infrastructure.<\/p>\n

\u201cIt certainly creates a level-playing field,\u201d he said. \u201cAccess to information and to compute and to intelligence is now available\u2014really\u2014literally in your pocket, 24\/7.\u201d<\/p>\n

But Siepp noted it may take time to become fully integrated with Scalable\u2019s client base.<\/p>\n

\u201cMaybe not for all client segments at the same speed,\u201d Siepp said. \u201cBut we clearly see potential that there is a large group of clients that would be interested in doing it.\u201d<\/p>\n

Scalable Capital, founded in 2014, has grown into one of Europe\u2019s largest digital investment platforms. The company also told Reuters<\/em> it has more than \u20ac60 billion in client assets and more than 1 million customers, primarily in Germany and Austria, with operations also expanding across countries including Italy, Spain, France and the Netherlands.\u00a0<\/p>\n

The company\u2019s roots are in making investing more accessible through digital brokerage and wealth-management services. Scalable has also expanded its trading offering to include derivatives, and said in July that it would offer more than 1.8 million derivatives from seven major issuers.<\/p>\n

Siepp said that the program can fundamentally change how investors interact with their brokerage accounts. A customer could, for example, ask an AI assistant to identify stocks that have fallen for consecutive months and monitor them. The assistant could then prepare an order based on the user\u2019s instructions.<\/p>\n

\u201cIt\u2019s just a few prompts,\u201d he said.<\/p>\n

Is AI a reliable investor?<\/h2>\n

But the effectiveness of AI when given the reins for making trades remains to be seen. A June research report from Elm Wealth offers a mixed answer. Researchers Jerry Bell, Victor Haghani and James White tested Claude, ChatGPT, Gemini and Grok in a \u201cCrystal Ball Challenge,\u201d giving the models historical Wall Street Journal<\/em> front pages with market-moving information but withholding the actual market outcomes.<\/p>\n

The experiment found that Claude and ChatGPT were relatively strong at predicting market direction. Across roughly 200 sessions, Claude beat human players in 76% of sessions, while ChatGPT beat them in 63%. Gemini did so in 43% of sessions and Grok in 51%. But the models had a major weakness, the study found.<\/p>\n

Elm found the AI systems generally took too much risk relative to the trade context. The researchers distinguished between two investment decisions\u2014what to invest in and how much to invest. AI performed relatively well on the first factor but poorly on the second. The study found the models understood concepts such as the Kelly criterion and Merton share in theory but struggled to apply appropriate risk management when making actual simulated trading decisions.<\/p>\n

\u201cThe US stock market has moved by over 5% on 23 days and by over 9% on seven days since the year 2000,\u201d the study read. \u201cGiven average position sizing in stocks of 7x to 12x across the AIs, we think they were taking too much risk of a catastrophic loss of capital, given none of them had (or could reasonably expect to have) super high hit ratios.\u201d<\/p>\n

OpenAI, Anthropic, Google and xAI did not immediately respond to a request for comment from Fortune<\/em> about using AI assistants for financial trading.<\/p>\n

But Scalable is not handing over unrestricted control of customer accounts to AI. The company said users must approve trades and savings plans before they are executed, and its current system does not allow AI assistants to make payments or withdraw money from Scalable accounts. Siepp said the AI connection follows the same core security protocols as Scalable\u2019s existing applications, including strong customer authentication.<\/p>\n

\u201cWhether you end up finding the holy grail together with your AI assistant on high returns and low risks or not, I think that remains to be seen,\u201d he said.<\/p>\n

He also stressed that the arrangement is not a formal partnership between the German bank and OpenAI or Anthropic. Instead, Scalable is using MCP\u2014an open technology for connecting AI systems to external tools and services.<\/p>\n

\u201cWe are using available resources, technologies, the MCP\u2014the Model Context Protocol,\u201d Siepp said. \u201cThis is really a standalone offering that comes only from Scalable users, ready-made technology integrations offered by those AI assistants.\u201d<\/p>\n<\/div>\n

#German #bank #trade #users #Claude #beat #humans #timebut #catch<\/p>\n","protected":false},"excerpt":{"rendered":"

Watch out, investors\u2014the AI bo… <\/p>\n","protected":false},"author":1,"featured_media":3203,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[828,428,200,3362,5353,1639,5851,5852,636,5498,166,480,5853,220,1634],"class_list":["post-3202","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-news","tag-ai-agents","tag-anthropic","tag-bank","tag-beat","tag-catch","tag-claude","tag-european-economy","tag-german","tag-google","tag-humans","tag-markets","tag-openai","tag-timebut","tag-trade","tag-users"],"yoast_head":"\nA German bank just let AI trade for users. 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