# Risk Signal Monitoring — Module 01: Wealth & Sovereign Risk Radar (Complete Institutional & Technical Specification — llms-full.txt)

## 1. Brand, Platform & Legal Operator
- **Platform:** Risk Signal Monitoring (`https://risksignalmonitoring.com`)
- **Module 01:** Wealth & Sovereign Risk Radar (`https://wealth.risksignalmonitoring.com`)
- **Subtitle:** Fiscal, Regulatory & Geopolitical Early-Warning System for Family Offices & Asset Managers
- **Legal Operator:** Risk Signal Monitoring — Matthias Terzer, 9464 Rüthi (SG), Switzerland
- **Liability Notice:** Analytical intelligence only, no formal tax or legal advice. AI summaries & Verified Regulatory & Market Sources may contain errors — full exclusion of liability under Swiss law (Art. 100 CO).

## 2. The 4 Core Fiduciary & Private-Client Signal Categories
Risk Signal Monitoring — Module 01 (`https://wealth.risksignalmonitoring.com`) correlates global legislative, regulatory, currency, and sovereign primary sources across 45+ jurisdictions into four specialized signal categories:

1. **Tax Law & Fiduciary Legislation:**
   Monitors exit taxes (`§ 6 AStG`, `Utflyttingsskatt`, deemed disposition rules), net wealth taxes, capital levies (`Lastenausgleich`), inheritance and estate tax reforms (`IHT`), Non-Dom regime phase-outs, expenditure-based lump-sum taxation (`Pauschalbesteuerung` / Forfait), and trust & private foundation statutes (Liechtenstein PVS, Swiss Holdings, DIFC/ADGM Foundations, Austrian Privatstiftung).
2. **Regulatory, CRS & Transparency Enforcement:**
   Monitors OECD Automatic Exchange of Information (`AEoI` / `CRS 2.0`), `FATCA`, Ultimate Beneficial Owner (`UBO`) transparency registries, US `FinCEN` Corporate Transparency Act (`BOI`) reporting, `DAC6` mandatory disclosure rules, and minimum economic substance enforcement.
3. **Capital Controls & Currency Volatility:**
   Monitors cross-border wire transfer restrictions, central bank foreign exchange rationing (`CEPO`, `SARB` emigration clearance), dividend repatriation curbs, and >5% FX volatility shocks that precede capital controls.
4. **Sanctions, Asset Freezes & Sovereign Risk:**
   Monitors multilateral sanctions (`SECO`, `OFAC`, `EU`), sovereign asset freezes, expropriation and wartime requisition risks, and regional geopolitical escalations impacting private banking booking centers.

## 3. Subscription, Pricing & 72-Hour B2B Trial Model
- **Pro Seat License:** `$99 USD / month per advisor seat` (excl. applicable VAT).
- **Flexible Team Scaling:** 1 to 25+ seats configurable via the interactive Advisor Seat Calculator (`$99` to `$2,475 USD / month`), billed monthly via Stripe with one-click cancellation or seat adjustment at any time and zero annual lock-in.
- **72-Hour B2B Trial:** Free 72-hour corporate evaluation trial for verified corporate, family office, trustee, and law-firm domains (freemail providers are automatically rejected). Includes full interactive risk radar access and 3 AI News Summaries (`DE` / `EN`) with `.docx` Fact Sheet export.

## 4. Complete 10-Point Institutional Due Diligence FAQ

### Q01: What is Risk Signal Monitoring — Module 01: Wealth & Sovereign Risk Radar and who is it built for?
**Category:** OVERVIEW & AUDIENCE
**Answer:** Risk Signal Monitoring (`https://risksignalmonitoring.com`) is an institutional B2B risk intelligence platform. Module 01: Wealth & Sovereign Risk Radar (`https://wealth.risksignalmonitoring.com`) is its dedicated fiscal, regulatory, and geopolitical early-warning command center purpose-built for Family Offices, Trustees, Foundation Boards, Wealth Managers, Tax Advisors, and Private Client Law Firms. Instead of hours of manual research, the platform transforms Verified Regulatory & Market Sources into factual news summaries and source sheets at the push of a button.

### Q02: Which global signals and risk categories are monitored worldwide?
**Category:** GLOBAL SIGNALS
**Answer:** Module 01 continuously correlates four core fiduciary and private-client signal categories into a single risk radar:
- Tax Law & Fiduciary Legislation: Legislative drafts, exit taxes, wealth taxes, Non-Dom regimes, lump-sum taxation, and trust & foundation law.
- Regulatory, CRS & Transparency Enforcement: AEoI/CRS 2.0, FATCA, UBO registries, FinCEN BOI mandates, and economic substance rules.
- Capital Controls & Currency Volatility: Cross-border capital restrictions and >5% FX shocks.
- Sanctions, Asset Freezes & Sovereign Risk: SECO/OFAC/EU sanctions, sovereign decrees, asset freezes, and geopolitical instability.

### Q03: How old are the signals and how frequently is the data updated?
**Category:** DATA FRESHNESS
**Answer:** All intelligence streams are queried in near-real-time. Global GDELT events, legislative gazettes, and currency volatility indicators are updated continuously—typically appearing on the dashboard within 15 to 60 minutes of initial detection. Additionally, advisors can dynamically filter the analysis horizon (`1W`, `1M`, `3M`, `6M`, or `12M`) to evaluate both acute weekly developments and gradual structural shifts over a full year.

### Q04: Are verifiable original sources provided for every signal?
**Category:** SOURCE VERIFICATION
**Answer:** Yes, without exception. Every single signal on the interactive world map and Live Signal Feed is directly linked to its primary source—including the publishing authority, exact timestamp, and direct URL to the original report or statutory gazette. Furthermore, whenever you export a News Summary as a Microsoft Word document (`.docx`), a complete, clickable primary source reference is automatically attached.

### Q05: What is included in an AI-generated News Summary and which languages are supported?
**Category:** NEWS & FACT SUMMARIES
**Answer:** Clicking any risk signal opens a clean, factual News & Source Summary:
1. Headline, Source Badge, Timestamp & Direct Primary Source Link
2. Concise 3–5 sentence factual summary of what happened or was announced
3. 3 bullet points with Key Facts & Current Regulatory/Legislative Status
Every summary can be toggled instantly between English (`EN`) and German (`DE` adhering to Swiss orthography standards) and exported as a formatted `.docx` Fact Sheet.

### Q06: Is confidential client or firm data ever stored in the cloud?
**Category:** DATA SOVEREIGNTY
**Answer:** No. Risk Signal Monitoring — Module 01 is architected around strict client confidentiality and data sovereignty. You never enter client names, beneficial owner identities, account numbers, or net-worth figures into the platform. The system monitors purely macroeconomic and jurisdictional news. Advisors download the neutral `.docx` Fact Sheet locally and use it within their own secure office environment.

### Q07: How does the free 72-hour B2B Trial work?
**Category:** 72-HOUR B2B TRIAL
**Answer:** Decision-makers can test the live intelligence command center free of charge for 72 hours (3 days):
- Verification requires a valid corporate or law firm domain (personal webmail providers are blocked).
- You receive full live access to the global risk map plus a quota of 3 AI-generated News Summaries including full `.docx` Fact Sheet exports.
- No credit card is required to start, and the trial expires automatically after 72 hours with zero hidden subscription traps.

### Q08: How does the pricing model work and are there long-term lock-in contracts?
**Category:** PRICING & FLEXIBILITY
**Answer:** We provide transparent, predictable SaaS pricing without opaque enterprise negotiations:
- The Pro License is `$99 USD / month per advisor seat`.
- It includes all real-time Verified Regulatory & Market Sources, unlimited Gemini AI News Summaries (EN/DE), and unlimited `.docx` Fact Sheet exports with source citations.
- All subscriptions are billed monthly and can be canceled or adjusted at any time with no annual lock-in.

### Q09: Can we book and manage multiple licenses for our entire advisory team?
**Category:** TEAM & SEAT MANAGEMENT
**Answer:** Yes. Using the Team Seat Calculator, firms can purchase any number of seats (e.g., 5 advisors × $99 USD / month). The team administrator gains access to a self-service Team Management Dashboard to invite colleagues or reassign seats instantly when staff changes occur. Each seat is protected by a real-time Single-Active-Session Lock.

### Q10: Do we need to install software or configure our own API keys?
**Category:** TURNKEY SETUP
**Answer:** No. Risk Signal Monitoring — Module 01 runs entirely in your browser as a secure web application at `https://wealth.risksignalmonitoring.com`. All Verified Regulatory & Market Sources (GDELT, RSS, FX) and the Google Gemini AI summary engine are pre-configured server-side and fully covered within your `$99 USD / month per advisor seat` license.

## 5. Official URLs
- **Parent Platform:** https://risksignalmonitoring.com
- **Module 01 Subdomain:** https://wealth.risksignalmonitoring.com
- **Concise LLM Index:** https://wealth.risksignalmonitoring.com/llms.txt
- **Full LLM Specification:** https://wealth.risksignalmonitoring.com/llms-full.txt