TriIlogica™

Autonomous AI quant engine on Google Cloud delivering institutional-grade ETF rebalancing, micro-dip compounding, and 1-click execution for everyday investors.

Comment 1

TriIlogica™ aligns directly with the XPRIZE track for Money & Financial Access: Breaking down barriers to banking, capital, and financial freedom. The algorithm automates quantitative ETF allocation for everyday investors, bridging institutional-grade portfolio management with retail financial inclusion.

Housing and education represent two of the largest structural financial pressures on households worldwide, directly dictating long-term financial security and generational mobility. By automating disciplined capital accumulation across diversified assets, the platform helps retail investors outpace inflation and methodically build the capital required for homeownership and life-shaping educational opportunities.

This focus directly drives our alignment with the second category: Education & Human Potential: Transforming how we learn, grow, and achieve our best. Securing access to lifelong learning, skill acquisition, and higher education begins with sustainable funding. By lowering the cognitive and economic barriers to investing, TriIlogica™ provides individuals and families with the financial foundation required to invest in their own potential, empowering people to pursue education, develop new capabilities, and achieve their best without the burden of unmanageable debt.

Our mission bridges financial growth with social impact: 0.35% of all annual platform AUM is permanently dedicated to funding open education scholarships and financial literacy programs.

What It Does

Trillogica™ is an autonomous, agent-operated quant engine integrated with retail broker APIs (Trading 212 & eToro):

  • Algorithmic Micro-Dip Reallocation: Continuously monitors multi-asset baskets, calculating dynamic weight surges on temporary market pullbacks (delivering a +6.69% cost advantage on core tech assets).
  • Live Audited Broker Execution: Dispatches surgical market orders directly via REST APIs with an audited track record (+25.3% realized TWR over 4.5 months vs +22.7% S&P 500 benchmark).
  • Mandatory Biometric Execution Gate: Protects user capital by requiring native on-device biometric authorization (Touch ID / Fingerprint / WebAuthn) before any order hits the broker.
  • Drawdown Compression: Multi-factor risk-parity modelling compresses portfolio drawdown to just -12.78%.

How We Built It

The architecture combines deep mathematical first principles with Google Cloud zero-trust enterprise infrastructure:

  • Scientific Foundations: Rooted in the mathematical frameworks of Vladimir Kotelnikov (Signal Discretization), Andrey Markov (Financial Regime Shifts), and Nikolai Kardashev (Energy & Capital Scale Optimization).
  • Air-Gapped AI Inference: Local Gemma / Gemini reasoning models evaluate financial regimes without exposing proprietary mathematical weights to the network.
  • Google Cloud Native Backend:
    • Google Cloud Functions (Gen2) & Cloud Run: Orchestrates the core calculation pipelines and WebAuth validation endpoints.
    • Google Cloud Storage (GCS): Automatically writes tamper-proof, timestamped CSV execution logs.
    • Google Workspace / Gmail API: Dispatches rich visual audit summaries directly to the investor's inbox.

Challenges We Faced

  • Zero-Trust Security vs. Ease of Use: Implementing native mobile Touch ID authorization without exposing private broker credentials required engineering a custom WebAuthn challenge-response loop that functions securely across mobile web clients.
  • Mathematical Discretization: Converting continuous market price movements into integer broker order quantities with 0.00% cash drag required designing strict numeric boundary solvers.
  • Building Solo as a Full-Time Professional: Developed 100% outside of full-time working hours - managing system architecture, Python backend, quantitative modelling, and Cloud infrastructure end-to-end.

Accomplishments We're Proud Of

  • Real-Money Broker Proof: Deployed live capital in production, delivering +25.3% realized return with institutional-grade Sharpe ratios (1.44–2.04).
  • Enterprise Security Standard: Built to institutional InfoSec specifications and zero-trust design.
  • Clear Scalability Roadmap: A clear commercialization trajectory scaling to $50K+ on eToro (Top Tier Popular Investor), distributing on Google Cloud Marketplace (B2B), and launching a Public TriIlogica™ ETF by realized profits.

What We Learned

  • Systematic portfolio optimization consistently outperforms static indexing in turbulent markets.
  • Integrating AI agents with Google Cloud serverless architecture enables a solo builder to operate a financial engine that historically required an entire quantitative desk.

What's Next for Trillogica™

  • Scale eToro Popular Investor Tier: Reaching Top-Tier copier volume to activate the first recurring 0.35% AUM educational scholarship payouts.
  • Direct Broker Partnerships: Native in-app integration with Trading 212 and collaborative educational course creation with Quantic School of Business and Technology.
  • Google Cloud Marketplace B2B Listing: Packaging the TriIlogica™ engine as a scalable SaaS product for family offices, fintechs, and asset managers.

Built With

  • cloud-kms
  • etoro
  • flask
  • gemini-api
  • gemma
  • gmail-api
  • google-cloud
  • google-cloud-functions
  • google-secret-manager
  • google-workspace
  • javascript
  • python
  • quantitative-finance
  • rest-api
  • trading-212-api
  • webauthn
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Updates

Private user

Private user posted an update —

Production Update 4/4: Resilience & Outperformance

Amid choppy global markets since August 10, 2026, the Gemini TriIlogica™ systematic factor-barbell portfolio has demonstrated exceptional downside protection, holding a steady +0.48% return while major indices drifted lower (S&P 500 down ~1.24%, Nasdaq down ~0.86%, and Euro Stoxx 50 down ~3.27%).

Crucially, this defensive strength translated into elite relative performance: TriIlogica™ outperformed 18 out of the top 20 established eToro copy-traders this week, validating the precision of the controlled Risk Score of 5 framework ahead of this weekend's platform migration.

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Private user

Private user posted an update —

Production Update 3/4: Sovereign Execution, Dynamic Factor Rotation & Zero-Drag Telemetry

Amid an orderly equity expansion window ahead of key ECB rate decisions and US CPI prints, the Gemini TriIlogica™ autonomous engine executed its scheduled weekly rebalance. Operating via our automated Google Cloud Run pipeline, the live production system successfully deployed fresh inflows into high-conviction factor dislocations on eToro:

  • Audit Timestamp & Governance: September 8, 2026 (TriIlogica-SOVEREIGN-Gemini-v5.2). Macro status verified as ORDERLY_EQUITY_EXPANSION with tail-risk sentinel MINIMAL_EXPOSURE_NOMINAL

  • KPI 1 (Dynamic Asset Decision Matrix & Capital Routing): Targeted Tactical Deployment Across Core Sleeves Gemini’s live reasoning core dynamically routed capital away from saturated sleeves to capitalize on valuation dislocations:

  • VVSM.DE (Semiconductors): Triggered PRIORITY_ACCUMULATE (STRONG_LONG) to compress long-term cost basis against broader macro trends.

  • XAIX.DE (AI Infrastructure): Triggered TACTICAL_DEPLOY (LONG) to capture sustained secular institutional demand.

  • CNDX.L (Nasdaq 100 Core): Triggered CORE_DEPLOY (NEUTRAL_LONG) for foundational liquidity and portfolio balance.

  • Defensive Pause: WTAI.L, CYBR.L, and BNKE.PA were placed on SELECTIVE_PAUSE / MAINTAIN_EXPOSURE (HOLD) with 0.0% allocation delta as existing allocations sit at optimal target capacities.

  • KPI 2 (Execution Telemetry & Cash-Drag Status): Zero-Drag Optimization

  • Total inflow strike executed within institutional compliance parameters (PASS).

  • Maintained ZERO_DRAG_OPTIMAL cash management across the batch funding architecture, ensuring zero idle FX friction or CFD financing costs.

  • *KPI 3 (Institutional Risk Governance): Locked Risk Score 5 * Portfolio risk discipline remained strictly enforced:

  • Risk Score locked firmly at 5, maintaining an optimal eToro Popular Investor risk profile.

  • Jury Audit Verification: Full proprietary slide deck, execution telemetry, main.py pipeline, de-obfuscation parameters, and Cloud Storage output logs remain continuously accessible to the XPRIZE jury via the shared Google Drive repository.

  • Copier Readiness: Automated sovereign rebalancing keeps the engine fully primed for public copier onboarding on October 10, 2026.

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Private user

Private user posted an update —

Production Update 2/4: Capital Preservation & Positive Alpha Across Global Pullbacks

Amid a volatile macro repricing window across global equities - driven by multi-decade sovereign yield spikes, semiconductor margin compression, and broader tech duration friction - the Gemini TriIlogica™ autonomous engine delivered live proof of downside resilience and positive alpha generation on eToro:

  • KPI 1 (Alpha Generation & Capital Preservation): +0.03% Return vs. EUSTX50 (-1.52%), NSDQ100 (-0.24%), and SPX500 (-0.09%) Across the trailing 7-day market correction, TriIlogica™ decoupled from benchmark declines, generating +155 bps of excess return over the Euro Stoxx 50 and +27 bps over the Nasdaq 100. While top discretionary platform traders dropped -1.00% to -2.17% over the same down-leg, TriIlogica's systematic cash-buffering held capital firmly above the zero-line.

  • KPI 2 (Execution Progression & Sleeve Expansion): 25.00% Profitable Trades (+13.89% Lift) | 12 Total Trades Execution telemetry demonstrates steady algorithmic progression from our August 26 baseline (11.11% strike rate):

    • Trade execution scaled from 9 to 12 closed micro-tranches.
    • Win rate expanded by +125% (11.11% → 25.00%).
    • Successfully integrated the cybersecurity thematic sleeve (CYBR.L), delivering a 50.00% strike rate with positive payout asymmetry (+2.28% Avg. Profit vs. -1.49% Avg. Loss).

  • KPI 3 (Institutional Risk Governance): Locked Risk Score 5 | Sub-6% Drawdown Envelope Portfolio risk discipline remained stable throughout the market sell-off:

    • 7-Day Average Risk Score locked firmly at 5 (well within eToro's Popular Investor mandate ceiling of ≤ 7).
    • Daily Max Drawdown contained to -3.91%, with Yearly Max Drawdown anchored at -5.66%, proving structural risk parity across all active UCITS ETF positions.

  • Jury Audit Verification: Full proprietary slide deck, execution telemetry, main.py pipeline, de-obfuscation parameters, and Cloud Storage output logs remain continuously accessible to the XPRIZE jury via the shared Google Drive repository.

  • Copier Readiness: Verified downside resilience strengthens algorithmic discovery ranking metrics, positioning the portfolio for public copier onboarding after October 10, 2026.

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Private user

Private user posted an update —

Production update 1/4: autonomous execution and funds injection under macro consolidation

Despite a turbulent consolidation window across global equities - US 30-year yields pressing multi-month highs, sovereign debt concerns, and pre-earnings tech hesitation - Gemini TriIlogica™ engine executed structured capital deployment live on eToro (https://www.etoro.com/people/goginagi/stats):

  • KPI 1 (Dynamic Cost Averaging): 33.33% Profitable Strike Rate on WTAI.L (+1.35% Live) - Even within a short-term market consolidation, automated micro-dip strike generated an immediate profitable lot, compressing the portfolio entry basis and lifting 1W performance from -5.65% to -0.92%.
  • KPI 2 (Risk Governance): 5.4% Realized Volatility | Avg. Risk 5 / Max Risk 6 - Strict risk containment maintained throughout market swings, operating well within eToro's Popular Investor mandate ceiling ($\le 7$).
  • KPI 3 (Drawdown Recovery vs. Benchmarks): Portfolio MTD recovered to -2.63% while absorbing broad benchmark consolidation (SPX500: -1.04%, NSDQ100: -1.74%, EUSTX50: -0.81%), deployed across 6 of our 7 target ETF sleeves including newly activated buffers BNKE.PA (European Banks) and CYBR.L (Cybersecurity).
  • KPI 4 (Institutional Capital Protection): 100% unleveraged UCITS ETF structure - Zero margin leverage, zero overnight funding drag, and zero liquidation vulnerability for prospective copiers.

Live Matrix Execution and Architecture Roadmap

Asset Class / Sector ETF Ticker Current Status Strategic Role
Semiconductors VVSM.DE Active Core Alpha Engine (Hardware & Foundry Value Chain)
Mega-Cap Tech CNDX.L Active Core Momentum & Free Cash Flow Anchor
AI Software & Data XAIX.DE Active Enterprise Cloud & Big Data Infrastructure
Automation & Robotics WTAI.L Active Applied Industrial AI (+1.35% Profitable Strike)
Cybersecurity Defense CYBR.L Active Inelastic Enterprise Infrastructure Buffer
European Banking BNKE.PA Active Cyclical Yield Hedge (Monetizing Higher Benchmark Rates)
Regional Developed Asia LCUJ.L Queued (Next Inflow) Macro Currency & Geopolitical Diversifier
  • Jury Audit Verification: Full proprietary slide deck, execution telemetry, main.py pipeline, de-obfuscation parameters, and Cloud Storage output logs remain continuously accessible to the XPRIZE jury via the shared Google Drive repository.

Copier Readiness: This audited performance satisfies eToro’s discovery ranking criteria, preparing the portfolio for public copier onboarding after October 10, 2026.

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Submission history