The Spanish startup Ultrai redefines the use of Artificial Intelligence in private banking, evolving from a fundamental analysis tool for financial services companies to a knowledge layer capable of interpreting complex portfolios consistently, traceably, and with regulatory rigor.
Madrid, January 2026 – Ultrai has reached a new stage of technological and conceptual maturity. What began as an analysis tool built by a team with financial and technological DNA – and not just the latter, distinguishing itself from most startups in the sector – has culminated in the evolution of Prisma, its intelligence engine.
This evolution marks the shift from a solid quant model to a complete Interpretative Financial AI. Prisma no longer just processes market data; it now acts as a “Knowledge Layer” designed specifically to solve the biggest challenge in private banking today: the need for immediate, consistent, rigorous answers free of hallucinations.
Beyond technology: An AI that “speaks finance”
Unlike generic Large Language Models (LLMs) that generate text without understanding the underlying financial context, Ultrai has built Prisma upon a proprietary financial taxonomy. This allows the system to understand the structure of the investment world with the same depth as a human analyst.
“Our competitive advantage was always our origin. We are not engineers trying to understand the stock market; we are financial professionals who have built the technology we always wanted to have,” explains José Miguel Fernández, Founder of the company. This foundation has allowed the product to be transformed into a tool capable of performing “look-through” (internal composition analysis) on investment funds and ETFs, disaggregating their positions to understand the real risks of a global portfolio. Something unique in the current market.
Ultrai Launches Prisma: The Future of Interpretative Financial AI
The Revolution in Portfolio and News Analysis
The new version of Prisma introduces critical capabilities for the modern banker:
- Unified Multi-Asset Vision: The system has broken traditional silos. It now interprets stocks, funds, and ETFs under a single common language, allowing for portfolio diagnoses that identify risk concentrations or macroeconomic exposures (inflation, rates, currencies) that previously went unnoticed.
- Real-time news impact analysis: Prisma is not limited to summarizing financial news. Now, the system ingests articles or research reports (PDFs) and instantly determines how they affect a specific portfolio. It answers the client’s key question: “What does this mean for my money?”.
- Regulatory Safety: Being a deterministic model, Prisma eliminates the risk of “hallucination.” It does not invent data nor cross the red line of unsolicited investment recommendation. It remains strictly in the realm of financial interpretation and description, protecting the entity under regulations such as MiFID II.
Strategic Advantages for Financial Institutions
Ultrai’s value proposition for banks and Wealth Managers is now structured into three differentiated layers that turn AI into a high value-added tool for corporate environments:
- Radical Operational Efficiency: What previously took hours of manual analysis—reading a fund’s factsheet, cross-referencing it with macroeconomics, and drafting a note for the client—is now resolved in seconds. Prisma generates “banker mode” narratives: clear, professional texts ready to send.
- Consistency Across the Commercial Network: Prisma ensures that, given the same market event, all bankers in the entity have access to the same rigorous interpretation, raising the standard of service and avoiding contradictory messages.
- Enterprise-Grade Infrastructure: Understanding banking demands, the platform has strengthened its security, auditing, and data segregation, ensuring that the AI deployment complies with the strictest compliance and cybersecurity standards.
With this evolution, Ultrai leaves behind the label of “analysis tool” to position itself as the structural intelligence partner for entities seeking to lead the private banking and financial advisory of the future: a model where technology does not replace the financial advisor, but grants them superpowers of analysis and interpretation.
