CapitalMath: Guiding the Future of Traditional Finance
Wealth management, once a privilege reserved for a select few, is now being redefined. British fintech company CapitalMath has officially announced the launch of its core platform, the MAT Intelligent Strategy System, while also kicking off its global expansion plan. This is not just an investment tool, but a philosophy: investing should not be a game where a few manipulate the rules, but a rational process that everyone can access and understand.
“We chose this difficult path because we believe that only those who are crazy enough to think they can change the world are the ones who actually do.” Quoted from Apple’s “Think Different” campaign, and a true reflection of the founding vision behind CapitalMath.
The old world of investing: unequal, uncontrollable, and lacking transparency.
In the traditional system, wealth management may appear professional, but in reality it is full of barriers:
An ordinary investor might have to wait several days just to schedule an appointment with an advisor, but the market will not wait. Advisors often base their suggestions on “market sentiment” or personal bias, without being held accountable for the outcomes. Expensive consulting fees are charged by the hour, regardless of whether the advice leads to any actual returns.
When you ask, “Why was this decision made?” the typical answer is, “Because of our experience.” As Charlie Munger once said, “If you cannot explain what you are doing with a model, you probably do not know what you are doing.”
CapitalMath was not embraced by the mainstream from the start. It was born from nearly thirty years of financial practice and reflection by Mr. Nicholas Hawthorne.
In 1993, Nicholas earned his Master’s degree in Applied Finance from Macquarie University in Australia. He then entered Wall Street, where he worked as a trader, asset allocation advisor, and hedge fund analyst.Fifteen years later, he had become a top financial professional earning over a million dollars annually. However, the 2008 financial crisis tore away the facade of Wall Street and shook his faith in the traditional financial system.
Amid the collapse of Lehman Brothers, he began to reflect: “Who really benefits from the advice we give? Is our so-called expertise truly meant to help clients, or is it just protecting vested interests?”
Starting in 2009, he broke free from institutional constraints and began sharing his views online, aiming to provide investment strategies to everyday people in a more transparent way. After joining the Occupy Wall Street movement in 2011, he became deeply involved in the study of quantitative systems.This time, he was no longer satisfied with just improving processes, he wanted to completely redefine the way investing works.
“I realised that no matter how professional an advisor is, they cannot make decisions 24 hours a day without emotion. No amount of experience can match the calm precision of an algorithm.”
In 2015, he formed an online financial services team, laying the foundation for what would later become CapitalMath.Although the early days were full of challenges due to limited technology and funding, and there were several setbacks, he never gave up. In 2019, he officially founded CapitalMath. Through the rise of Bitcoin and the GameStop saga, he gained valuable experience and attracted people who were on the same page.
Among them are:
Harrison Cole, a former employee at JPMorgan, who joined the MAT system development team in 2020 after discovering a shared vision; Charlotte Hayes, who has been passionate about financial inclusion since her university days and worked her way up from a volunteer to Global Head of Network Financial Services; Alexander Morgan, a key contributor to IBM’s digital asset projects, who, after gaining a deeper understanding of the mission, chose to leave the company and dedicate himself to this cause.
The founding of CapitalMath is a journey that began with personal awakening and led to systemic transformation. The most admirable individuals are not just those who walk away from established systems, but those who, after deep reflection, dare to rebuild the rules themselves.
A New Paradigm: Relying on systems, not individuals
CapitalMath believes that investing should feel like operating a transparent and controllable system, not following the advice of an “expert” whose judgment can never truly be verified. That is why we built the MAT Intelligent Strategy System, which is built on three core pillars:
Automation: It responds to the market around the clock, executing the logic you set without ever pausing.
Logic: Every investment decision is backed by data, models, and a clear reasoning path.
Personalization: The system identifies your risk preferences and funding needs, helping you create a strategy that fits you.
No more waiting in line, no more passive delays, no more vague advice. What you see is the path the system recommends. What you control is the execution and adjustment of every decision you make.
We believe that great products do more than solve problems, they change the way people see the world.
As Steve Jobs once said, “Everything around you that you call life was made up by people who were no smarter than you.”
That is why we question traditional finance and redesign control for the user.
As Yuval Noah Harari said, “Algorithms will redefine trust.”
That is why we replace people with systems, and build trust on verifiable logic and data.
As Peter Thiel said, “Great businesses do not just improve the world, they rewrite it.”
That is why we are not here to make advisors more efficient, we are here to replace them entirely.
Our Vision: To make rational investing a basic right for everyone, not a privilege for a few.
For decades, investing has seemed like a game reserved for “professionals,” “high net worth individuals,” or those who have access to information. Ordinary people have had to passively accept advice, pay fees, and tolerate vague explanations, without ever truly gaining control over their financial future.
CapitalMath’s vision is to rebuild the foundation of investing, making it transparent, rational, and accessible, so that everyone can gain the ability to make decisions through a system.
No matter who you are or where you start, we want you to have:
- A system that never sleeps. One that continues running your strategy even while you are asleep, without needing to wait for an advisor to show up.
- A logic you can understand. Where you know exactly what is behind each suggestion, rather than simply buying because “someone said it will go up.”
- A real trust relationship. Where you do not need to believe in us, you only need to trust the rules you set inside the system.
- A rhythm that belongs to you. The market may rise and fall, but your strategy does not have to follow every swing.
- As we have always believed, investing should not be about “who is smarter,” but about “who has a better system.”
Looking ahead, CapitalMath will continue refining its products, expanding its reach, and building a strong foundation of data. We are committed to becoming the most trusted intelligent investment infrastructure for users around the world.
We believe that true investment freedom can only begin when systems are more transparent than people, and decisions are more reliable than emotions.
Media Contact Information
Nicholas Hawthorne
contact@capitalmath.com
https://pinionnewswire.com/
